基于标准化检索与分类的数字普惠金融知识图谱研究

摘要：

【目的】系统梳理数字普惠金融领域的研究动态、合作特征、热点主题及前沿方向，为后续研究提供理论参考与方向指引。【方法】以中国知网（CNKI）数据库中2006—2024年的数字普惠金融相关文献为研究对象，通过标准化检索与分类提取文献信息，运用DIKW-COOC和DIKW-Evoviewer两款可视化软件，从逐年研究动态、多维关系网络、主题演化趋势与聚类、研究前沿突变等维度展开分析。【结果】研究期间，数字普惠金融领域发文量呈显著逐年递增趋势；尚未形成核心作者群，但作者合作率为0.771 7，机构合作率为0.457 0，显示作者间合作较紧密，而跨地区、跨行业机构间合作存在不足；识别出“普惠金融”“普惠制”“数字金融发展”3个研究热点，以及数字普惠金融与数字经济融合效应、企业数字金融发展与技术创新4个研究聚类，并探测到数字普惠金融、中国式现代化、碳普惠等9个研究前沿。【结论】数字普惠金融领域研究热度持续攀升，学术合作呈现“作者合作紧密、机构协同不足”的特点，研究内容已形成多维度热点与聚类体系，且前沿方向与国家战略及社会发展需求高度契合，为该领域的深化研究与实践应用提供了清晰的演进脉络与重点方向。

Abstract:

[Objective] This study systematically reviews research trends, collaborative characteristics, hot topics, and emerging frontiers in the field of digital inclusive finance, aiming to provide theoretical reference and directional guidance for future research. [Methods] Using literature related to digital inclusive finance from the CNKI database (2006–2024), we extracted and categorized literature information through standardized retrieval and classification. Two visualization tools—DIKW-COOC and DIKW-Evoviewer—were employed to analyze annual research trends, multidimensional relationship networks, thematic evolution and clustering, and mutation in research frontiers. [Results] The number of publications in the field of digital inclusive finance showed a significant year-on-year growth during the study period. Although no core author group has yet formed, the author collaboration rate reached 0.771 7, while the institutional collaboration rate was 0.457 0, indicating relatively close cooperation among authors but insufficient cross-regional and cross-sector institutional collaboration. Three research hotspots were identified—“inclusive finance”, “Generalized System of Preferences (GSP)”, and “digital finance development”—along with four research clusters, including the integration effect of digital inclusive finance and the digital economy, as well as enterprise digital finance development and technological innovation. Nine research frontiers were detected, such as digital inclusive finance, Chinese modernization, and carbon inclusiveness. [Conclusion] Research interest in digital inclusive finance continues to rise. Academic collaboration is characterized by “strong author cooperation but weak institutional synergy”. The research content has formed a multidimensional system of hotspots and clusters, with emerging directions closely aligned with national strategies and societal development needs. This study provides a clear evolutionary context and key directions for further research and practical application in the field.

引用格式：周幸窈，万福军，张静静，等.基于标准化检索与分类的数字普惠金融知识图谱研究[J].标准科学，2025(11):27-39.

基金项目：本文受航空科学基金项目“航空人工智能标准化体系研究”（项目编号：2022Z064004001）资助。

作者简介：周幸窈，博士，副研究员，研究方向为服务标准化。万福军，通信作者，硕士，副研究员，研究方向为服务标准化。张静静，博士，讲师，研究方向为数字经济、知识图谱。宋文婷，硕士，中级审计师，研究方向为财务管理。