Abstract: The coupled coordination degree model is used to analyze the internal dynamic and coordinated development of digital inclusive finance in 31 provinces of China from 2014 to 2021, The Gini coefficient decomposition method is used to discuss its evolution law and spatialtemporal differences, and investigate the spatial spillover effects of key factors based on the SDM model. The results show that the dynamic and coordinated development level of the digital inclusive finance has improved year by year, and there is an obvious spatial aggregation, which is specifically reflected in the leading position of the eastern regions and the lagging position of the western regions. The dynamic and coordinated development level of the digital inclusive finance in each province has positive spatial spillover effects on the whole, but has negative effects within each economic zone. Urbanrural income gap, economic development level, industrial structure, traditional financial strength and regional innovation ability all have an impact on it.

Key words: digital inclusive finance; coupling coordination; Gini coefficient decomposition; SDM model; geographical spillover effect