数字普惠金融对城乡收入差距的影响——长三角地区的实证分析

Mechanisms of Digital Inclusive Finance in Narrowing the Urban-Rural Income Gap—An Empirical Analysis of the Yangtze River Delta Region

摘要: 乡村振兴战略深入实施与新型城镇化建设稳步推进，城乡发展格局持续优化，但发展不平衡不充分问题仍未根本解决。基于2016~2022年长三角27个城市面板数据，本文实证检验数字普惠金融对城乡收入差距的影响及其机制。结果表明：数字普惠金融的发展显著缩小了城乡收入差距。并且该影响通过提升涉农信贷可得性和赋能农村电商产业集聚双路径实现。随后异质性分析显示，数字普惠金融的发展对城乡收入差距的缩小作用在江苏省和安徽省更为明显，在浙江省相对有限。据此，政府、金融机构、企业及社会组织应积极采取行动使数字普惠金融在促进城乡融合发展和实现共同富裕中发挥更为关键的作用。

Abstract: With the deepening implementation of the rural revitalization strategy and the steady advancement of new urbanization, the pattern of urban-rural development continues to optimize. However, the fundamental issues of unbalanced and insufficient development remain unresolved. Based on panel data from 27 cities in the Yangtze River Delta (YRD) region spanning 2016~2022, this paper empirically examines the impact of digital inclusive finance (DIF) on the urban-rural income gap and its underlying mechanisms. The results indicate that the development of DIF significantly narrows the urban-rural income gap. This impact is realized through dual pathways: enhancing the accessibility of Agri-credit and empowering the agglomeration of rural e-commerce industries. Subsequent heterogeneity analysis reveals that the narrowing effect of DIF development on the urban-rural income gap is more pronounced in Jiangsu and Anhui provinces, while relatively limited in Zhejiang province. Accordingly, governments, financial institutions, enterprises, and social organizations should actively take actions to enable DIF to play a more critical role in promoting integrated urban-rural development and achieving common prosperity.