数字普惠金融对城乡收入差距的影响分析——基于农业高质量的中介效应分析

Analysis of the Impact of Digital Inclusive Finance on Urban-Rural Income Gap—Based on the Mediating Effect Analysis of High-Quality Agricultural Development

摘要: 数字普惠金融的发展为传统普惠金融难以覆盖的群体提供了更便利、可靠的金融支持，能有效缩小城乡间的收入不平等。本研究基于2011至2022年我国31个省份的面板数据，对数字普惠金融关于城乡收入差距的影响效应进行实证检验。结果显示：数字普惠金融能有效缩减城乡间的收入差距，在改变核心变量后，该结论依然稳健；中介效应表明数字普惠金融还能促进农业高质量发展，进而缓解城乡收入不平等；此外，数字普惠金融在调节城乡收入差异方面呈现出显著的区域差异性特征，具体表现为在经济发达地区与经济欠发达地区间显著降低了收入差距，而在经济中等发展水平的区域，则呈现出加剧收入差距的现象。

Abstract: The development of digital inclusive finance provides more convenient and reliable financial support for groups that are difficult to cover by traditional inclusive finance, and can effectively narrow the income inequality between urban and rural areas. Based on the panel data of 31 provinces in China from 2011 to 2022, this study conducts an empirical test on the impact of digital inclusive finance on the urban-rural income gap. The results show that digital inclusive finance can effectively reduce the urban-rural income gap, and this conclusion remains robust after changing the core variables. The mediating effect indicates that digital inclusive finance can also promote high-quality agricultural development, thereby alleviating urban-rural income inequality. In addition, digital inclusive finance shows significant regional differences in regulating urban-rural income differences. Specifically, it significantly reduces the income gap in economically developed and underdeveloped regions, while it exacerbates the income gap in regions with a medium level of economic development.