我国数字普惠金融发展对城乡收入差距的影响研究

Research on the Impact of China’s Digital Inclusive Financial Development on the Urban-Rural Income Gap

摘要: 近几年来，伴随着数字技术的快速发展，数字普惠金融的崛起正在引起一场生产、服务以及生活形态的变革。本文基于2013~2018年间省级面板数据，对我国数字普惠金融发展与城乡收入差距之间的关系进行了研究。结果表明，对全国而言，数字普惠金融有助于缩小城乡收入差距，改善城乡发展不平衡的现状。其中，西部地区的收敛效应最为明显，中部地区影响效应不显著，东部地区反而有使城乡收入差距扩大的趋势。此外，同一地区数字普惠金融的不同维度指标对城乡收入差距的影响也不一样。最后本文对其背后的原因进行了阐述并提出了相应的政策建议。

Abstract: Recently, with the rapid development of digital technology, the rise of digital inclusive finance is causing a change in production, services and lifestyles. Based on provincial panel data from 2013 to 2018, this paper conducts an empirical study on the relationship between China’s digital inclusive financial development and the urban-rural income gap. The results show that for the whole country, digital inclusive finance has a significant promotion effect on reducing the urban-rural income gap and improving the urban-rural unbalanced development and proposes corresponding policy recommendations. Specifically, the convergence effect in the western region is the most obvious, and the central region is insignificantly. However, the eastern region has the opposite result, the urban-rural income gap is expanding. In addition, different dimensions of digital inclusive finance in the same region have different impacts on the urban-rural income gap. At last, we analyze the reasons and put forward the corresponding suggestions.