【摘要】 在厘清数字普惠金融与城乡融合发展耦合协调机理的基础上，基于2012—2020年中国285个地级市的样本数据，运用耦合协调模型、Dagum基尼系数定量考察数字普惠金融与城乡融合发展的耦合协调度及区域差异。在积极宽松的政策引导下，2012—2020年城乡融合发展和数字普惠金融的综合评价指数逐年递增，两个系统的耦合协调度由极度失调阶段过渡到轻度失调阶段。不同规模城市间数字普惠金融与城乡融合发展的耦合协调度存在差异，而城乡融合发展滞后是制约两个系统协调发展水平提升的主要因素。数字普惠金融与城乡融合发展耦合协调度的总体差异在研究时间段内有小幅下降的趋势，且区域间差异是耦合协调度总体差异的主要来源。中国要在提高城乡融合发展水平、实行差异化调控策略、促进区域协调发展等方面采取有效措施，推进数字普惠金融与城乡融合发展耦合协调发展。更多还原

【Abstract】 On the basis of clarifying the coupling coordination mechanism between digital inclusive finance and urban-rural integration development, this paper uses the sample data of 285 prefecture-level cities in China from 2012 to 2020, and uses the coupling coordination model and Dagum Gini coefficient to quantitatively investigate the coupling coordination degree and regional differences between digital inclusive finance and urban-rural integration development. The comprehensive evaluation index of urban-rural integration development and digital inclusive finance increased year by year between 2012 and 2020 under the guidance of active and liberal policies, and the coupling coordination of the two systems moved from the stage of extreme dissonance to the stage of mild dissonance. Different shaped cities have different levels of urban-rural integration development and digital inclusive finance coupling, and the lagging urban-rural integration development is the key thing preventing the two systems from developing at a higher level of coordination. The inter-regional differences are the primary cause of the overall difference in the coupling coordination degree of digital inclusive finance and urban-rural integration development, which has a tendency to slightly decline over the course of the study period. In order to promote the coupled and coordinated development of digital inclusive finance and urban-rural integration development, China should implement differentiated regulation strategies,implement effective measures to improve the level of urban-rural integration development, and promote coordinated regional development.更多还原