Because of spatial geographical characteristics of the development of rural inclusive finance,the paper estimates the development level of inclusive finance in China using 30 provin-cial data from 2006 to 2015.Through the construction of SLM and SEM model,the spatial com-bined effect of inclusive financial development is tested.The result shows that:the rural inclusive financial index in various provinces and cities is on the rise.The spatial correlation of rural inclu-sive financial development is increasing year by year,and the differences in local space gradually diminishing.There is a positive spatial correlation between the inclusive financial agglomeration and the change of farmers'income.The improvement of the inclusive financial level can promote the improvement of farmers'income level.%基于中国农村普惠金融发展的空间地理特征,依据2006-2015年30个省市相关数据,测算农村普惠金融水平;建立空间自回归模型(SLM)和空间误差模型(SEM)检验普惠金融发展空间集聚效应.结果发现:各省市农村普惠金融指数总体呈上升趋势,农村普惠金融发展空间相关性逐年增强,局部空间差异逐渐缩小.普惠金融集聚与农民收入变化之间存在正空间相关性,普惠金融水平的提高能够促进农民收入水平的提高.鉴此,应加强区域空间金融合作,提高保险业普惠度;加强地方政府之间交流合作,发挥普惠金融集聚辐射作用,推动农民收入水平进一步提高.
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