数字普惠金融指数对城乡收入差距的影响机制研究

Research on the Impact Mechanism of Digital Inclusive Finance Index on Urban-Rural Income Gap

摘要: 数字普惠金融作为破解城乡发展不平衡的重要依托，打破城乡资源要素流动的体制障碍，对改善城乡收入格局具有深远意义。本文选取了2011~2023年我国地级市的面板数据，利用固定效应模型研究城乡收入差距的影响及其作用机制。研究发现：发展数字普惠金融显著缩小城乡收入差距，其影响具有显著的区域异质性；互联网普及率是关键的赋能条件与调节效应，完善的网络基础设施能通过缓解信息不对称，显著发挥正向调节作用，增强数字普惠金融的增收减贫效应。研究为推动我国城乡发展提供针对性政策性建议。

Abstract: As a novel driver for tackling urban-rural development imbalances, digital inclusive finance breaks down institutional barriers to the flow of resources and factors between urban and rural areas, exerting a profound impact on improving the urban-rural income structure. This study leverages panel data from Chinese prefecture-level cities spanning 2011 to 2023 and employs a fixed-effects model to examine the influence of digital inclusive finance on the urban-rural income gap and its underlying mechanisms. The findings indicate that the development of digital inclusive finance significantly narrows the urban-rural income gap, with notable regional heterogeneity in its effects. Internet penetration serves as a critical enabling condition and moderating factor, where well-developed digital infrastructure mitigates information asymmetry and significantly enhances the positive moderating effect, thereby strengthening the poverty-alleviation and income-boosting impact of digital inclusive finance. The study provides targeted policy recommendations for fostering balanced urban-rural development in China.