From Imbalance to Synergy: The Coupling Coordination of Digital Inclusive Finance and Urban Ecological Resilience in the Yangtze River Economic Belt

In the context of rapid urbanization and digitalization, scientifically assessing the spatio-temporal interaction between digital inclusive finance (DIF) and urban ecological resilience (UER) is crucial for promoting the coordinated development of the regional ecology and economy. This study investigates the spatiotemporal evolution of the coupled coordination degree (CCD), the decoupling phenomenon, and its hindering factors in the Yangtze River Economic Belt (YREB) by utilizing the kernel density analysis, standard deviation ellipse, decoupling model, and obstacle degree analysis. Through systematic analyses, this paper aims to elucidate the development disparities among regions within the YREB, identify problematic areas, and propose targeted improvement measures. The results show that (1) The CCD between DIF and UER in the YREB has increased annually from 2011 to 2020. However, there are persistent imbalances, with an overall low level of coordination and uneven spatial development, and a trend of “higher coordination in the east and lower coordination in the west”. (2) The overall CCD of the YREB has reached at least the primary coordination level, with the coupling enhancement speed ranked as “downstream > midstream > upstream”, and regional differences decreasing. (3) The decoupling analysis reveals a predominant decoupling trend between DIF and UER, indicating that the digitization of financial services has not concurrently increased ecological pressures. (4) The obstacle degree analysis identifies resilience and digitalization as major barriers hindering CCD. This study provides a scientific basis and analytical framework for understanding the current spatiotemporal interaction between DIF and UER in the YREB, offering an important reference for formulating more effective policies.