数字普惠金融对城乡居民收入差距的影响研究——以贵州省为例

Research on the Impact of Digital Inclusive Finance on the Income Gap between Urban and Rural Residents—Taking Guizhou Province as an Example

摘要: 数字普惠金融作为普惠金融的一种扩展，具有广阔的应用前景，与数字技术相结合为缩小我国城乡居民收入差距提供了可能性。本文基于贵州省2014~2023年六个地级市(州)的面板数据进行实证研究，结果表明，贵州省数字普惠金融能够有效降低城乡居民收入之间的差距。此外，本文进一步提出针对性政策建议，旨在推动城乡协同发展，释放经济增长新动能。

Abstract: As an extension of inclusive finance, digital inclusive finance has broad application prospects. Its integration with digital technology offers the possibility of narrowing the income gap between urban and rural residents in China. This paper conducts an empirical study based on the panel data of Guizhou Province from 2014 to 2023. The results show that digital inclusive finance in Guizhou Province can effectively reduce the income gap between urban and rural residents. In addition, this paper further puts forward targeted policy recommendations, aiming to promote coordinated urban-rural development and unleash new drivers of economic growth.