数字普惠金融对城乡居民收入差距的影响
The Impact of Digital Inclusive Finance on the Income Gap between Urban and Rural Residents

基于2011~2020年我国省级面板数据，构建面板固定效应模型和面板门槛模型实证分析了数字普惠金融对城乡收入差距的影响。研究表明：数字普惠金融在我国能有效缓解城乡收入差距，数字普惠金融的不同维度对城乡收入差距的作用存在差异；并且在产业结构低于第一门槛值的地区，农民面临着“数字鸿沟”，在产业结构迈过第二门槛值的地方，数字普惠金融能有效缓解城乡收入差距。因此，我国应不断加强数字基础设施的建设，提升农村地区的教育水平，加大金融知识的宣传，进一步拓展数字普惠金融服务的深度和广度。
Based on provincial panel data from 2011 to 2020 in China, a panel fixed effect model and a panel threshold model were constructed to empirically analyze the impact of digital inclusive finance on urban-rural income gap. Research has shown that digital inclusive finance can effectively alleviate the urban-rural income gap in China, and the different dimensions of digital inclusive finance have different effects on the urban-rural income gap; And in areas where the industrial structure is lower than the first threshold, farmers face a “digital divide”. In areas where the industrial structure exceeds the second threshold, digital inclusive finance can effectively alleviate the urban-rural income gap. Therefore, China should continuously strengthen the construction of digital infrastructure, improve the education level in rural areas, increase the promotion of financial knowledge, and further expand the depth and breadth of digital inclusive financial services.