普惠金融对城乡收入差距的作用——基于省际动态面板的实证分析
The Role of Inclusive Finance in the Urban-Rural Income Gap—Empirical Analysis Based on Dynamic Province Panel Model

论文在测度我国各省(自治区、直辖市) 2006~2022年普惠金融发展指数的基础上，构建了以城乡收入差距为被解释变量，以金融发展指数为核心解释变量，以城镇化率等为控制变量的动态面板数据模型，对全国层面与区域层面动态面板模型进行估计。结果表明，从全国层面看，普惠金融在很大程度上显著地缩小了城乡收入差距，发展普惠金融是打赢扶贫攻坚战的重要抓手；从区域层面看，普惠金融对城乡收入差距的影响存在地区异质性：低收入或欠发达地区的普惠金融发展显著缩小了城乡收入差距，而高收入地区的普惠金融发展在一定程度上扩大了收入差距。基于以上结论，在因地制宜地制定普惠金融发展策略的同时，更要加强对涉农政策的融合与协调，尤其是加强新型城镇化、信息化、农业现代化、农村土地制度改革、产业结构调整等政策与普惠金融政策的融合，形成农民增收致富的合力与扶贫脱贫的长效机制。
Base on measuring the IFI (inclusive finance index) of 31 provinces (Autonomous Region or Munic-ipalities) using data ranging from 2006 to 2016, this paper estimates a dynamic panel model respectively. The results show that the inclusive finance reduces the unban-rural income gap significantly and greatly, although there is significant regional heterogeneity among the Northeast China, East China, Central China and the West China. So, China should enhance its strength of inclusive finance execution based on the real features of each province. Integrating the above policies to attain long-term mechanism is key to persistent increasing of income by the farmers and is meaningful to beat the poverty completely.