普惠金融对城乡收入差距的影响研究及政策建议

Research and Policy Suggestions on the Influence of Inclusive Finance on Urban-Rural Income Gap

在乡村振兴逐步深入的同时,缩小城乡收入差距,进而实现共同富裕需要社会长期的努力;金融是现代经济的核心,关系发展和安全,农村金融的发展对于提升居民投资理财意识、增加教育投资、促进农村经济发展、提高农村居民收入等具有积极影响。普惠金融作为推进农村金融发展、深入的重要工具,探究其发展程度、辐射范围、渗透程度等多角度对城乡收入差距的影响,本文选取经济发展程度相差较大的北京市与甘肃省两个省级地区进行普惠金融发展状况的对比以及两地普惠金融对农村经济发展的影响,比较分析国内普惠金融是否对城乡收入差距产生影响及背后的影响机制。

With the gradual deepening of rural revitalization, narrowing the income gap between urban and rural areas and achieving common prosperity requires long-term social efforts. Finance is the core of modern economy, which is related to development and security. The development of rural finance has a positive impact on improving residents’ awareness of investment and financial management, increasing investment in education, promoting rural economic development and improving rural residents’ income. Inclusive finance, as an important tool to promote the development and deepening of rural finance, explores the impact of its development degree, radiation range, penetration degree and other aspects on the income gap between urban and rural areas. In this paper, Beijing and Gansu Province, two provincial areas with relatively large differences in economic development, are selected to compare the development status of inclusive finance and the impact of inclusive finance on rural economic development. Compare and analyze whether domestic inclusive finance has an impact on the urban-rural income gap and the influencing mechanism behind it.