数字普惠金融对城乡收入差距的影响——基于农村电商的中介效应视角
The Impact of Digital Financial Inclusion on the Urban-Rural Income Gap—The Perspective of the Intermediary Effect Based on Rural E-Commerce

数字普惠金融的发展有利于提高城乡居民收入，优化城乡居民收入分配结构。基于2014~2021年省级面板数据，本文选用个体固定效应模型，实证检验了数字普惠金融对城乡收入差距的影响及作用机制。结果表明：数字普惠金融的发展能够显著促进城乡收入差距缩小，且其促进效应存在区域异质性。此外，农村电商在数字普惠金融促进城乡收入差距缩小的过程中发挥显著的中介效应。
The development of digital inclusive finance is conducive to improving the income of urban and rural residents and optimizing the income distribution structure of urban and rural residents. Based on the provincial panel data from 2014 to 2021, the individual fixed effect model is selected to empirically test the impact and function mechanism of digital inclusive finance on ur-ban and rural income gap. The results show that the development of digital inclusive finance can significantly promote the narrowing of the urban-rural income gap, and its promotion effect has regional heterogeneity. In addition, rural e-commerce plays a significant intermediary effect in the process of digital inclusive finance to promote the narrowing of the urban-rural income gap.