数字普惠金融对城乡居民收入差距的影响研究——以长三角城市群为例

Research on the impact of digital inclusive finance on the income gap between urban and rural residents——Taking the Yangtze River Delta urban agglomeration as an example

本文基于长三角城市群26个城市2011—2020年的面板数据,探讨数字普惠金融对城乡收入差距的影响。结果表明:第一,在样本期内数字普惠金融的发展可以有效缩减长三角城市群城乡居民之间的收入差距,但对不同等级城市的城乡收入差距的影响存在异质性;第二,数字普惠金融的覆盖广度和数字化程度的提升可以有效抑制城乡居民收入差距过大,但使用程度并未显著发挥此效应;第三,城乡收入受到数字普惠金融的非线性影响。对此,建议长三角城市群要持续推动数字普惠金融的发展,打造多样化的服务体系,优化数字基础设施建设,改善发展环境,制定区域差异化的发展目标。

Based on the panel data of 26 cities in the Yangtze River Delta urban agglomeration from 2011 to 2020,this paper empirically analyzes the impact of digital financial inclusion on the urban-rural income gap.The results indicate that:first,digital inclusive finance can effectively reduce the income gap between urban and rural residents during the sample period,but its impact differs in city levels on the income gap.The increase in coverage and digitization can effectively curb the excessive income gap between urban and rural residents,but the degree of use does not significantly exert this effect;third,urban and rural income is affected by the nonlinear impact of digital inclusive finance.In this regard,it is suggested that the Yangtze River Delta urban agglomeration should continue to promote the development of digital inclusive finance,create a diversified service system,optimize the construction of digital infrastructure,improve the development environment,and formulate regionally differentiated development goals.