数字普惠金融促进江苏城乡融合发展的机制与实证
The Mechanism and Empirical Study of Digital Inclusive Finance Promoting Urban-Rural Integration in Jiangsu Province

城乡融合发展是实现中国现代化的重要内容，数字普惠金融是促进城乡融合发展的有效路径。本文从城乡形态融合、城乡经济融合、城乡要素融合和城乡生态融合这四个方面构建城乡融合发展评价指标体系，在系统分析数字普惠金融促进城乡融合发展直接作用与间接作用的基础上，利用江苏省2011~2020年各市的面板数据对数字普惠金融促进城乡融合发展的效果与路径展开实证研究。研究结果显示，江苏省城乡融合发展水平整体呈现上升趋势，但市际之间的差距较大；数字普惠金融对江苏省城乡融合发展具有显著的促进作用，且可以通过提升地区发展水平和消费水平来推动城乡融合发展；此外，数字普惠金融促进江苏省城乡融合发展的力度还表现出明显的区域异质性。
Urban-rural integration development is an important part of achieving modernization in China, and digital inclusive finance is an effective path to promote the integration of urban and rural development. This paper constructs an evaluation index system for urban-rural integration development from four aspects: urban-rural form integration, urban-rural economic integration, urban-rural factor integration, and urban-rural ecological integration. Based on a systematic analysis of the direct and indirect effects of digital inclusive finance on promoting urban-rural integration development, this paper conducts empirical research on the effects and paths of digital inclusive finance on urban-rural integration development using panel data from cities in Jiangsu Province from 2011 to 2020. The research results show that the overall level of urban-rural integration development in Jiangsu Province is on the rise, but there is a significant gap between cities. Moreover, digital inclusive finance has a significant promoting effect on the urban-rural integration development in Jiangsu Province, and can promote urban-rural integration by improving regional development and consumption levels. In addition, the efforts of digital inclusive finance to promote urban-rural integration in Jiangsu Province also show significant regional heterogeneity.