数字普惠金融对城乡收入差距的影响研究
Research on the Impact of Digital Inclusive Finance on the Urban-Rural Income Gap

本文基于2012~2022年中国31个省份的面板数据，研究了数字普惠金融对城乡收入差距的影响及其作用机制，提出了包含金融服务覆盖、经济资源流动、社会包容性和风险分散四大机制的理论框架。实证结果表明，数字普惠金融能够有效缩小城乡收入差距，其在中西部地区的缩差效应尤为显著，反映了数字技术在促进区域协调发展中的潜力。本文进一步探讨了数字普惠金融对不同区域的异质性影响，强调其在农村经济振兴和共同富裕中的关键作用。研究建议加强数字普惠金融的高质量发展，优化其区域资源配置，并推动创新监管模式，为缩小城乡收入差距提供政策依据。
This study investigates the impact of digital inclusive finance on the urban-rural income gap and its underlying mechanisms, using panel data from 31 provinces in China from 2012 to 2022. A theoretical framework encompassing four key mechanisms—financial service coverage, economic resource flow, social inclusiveness, and risk diversification—is proposed. Empirical results demonstrate that digital inclusive finance effectively reduces the urban-rural income gap, with more pronounced effects in less developed central and western regions, highlighting the potential of digital technologies in promoting regional coordinated development. The study also examines the heterogeneous impacts across regions, underscoring the pivotal role of digital inclusive finance in rural economic revitalization and achieving common prosperity. Policy recommendations include enhancing the quality of digital inclusive finance development, optimizing regional resource allocation, and fostering innovative regulatory models to provide actionable insights for reducing the urban-rural income gap.