【摘要】 数字金融发展是否有利于提升农民收入并对农民收入差距产生影响值得深入研究。论文基于2011—2020年全国31个省(自治区、直辖市,不包含港澳台地区)的面板数据,从农民增收和收入差距的双重视角,考查数字金融的非线性门槛增收效应及对农民收入差距的空间收敛影响。研究发现,数字金融对农民收入的影响存在“边际效应递增”,即随着数字金融发展水平跨越相应门槛值,农民增收效应递增；各地区数字金融发展水平呈现“高-高”和“低-低”的空间集聚特征；进一步分析发现,农民收入水平具有显著的空间β条件收敛特征,且数字金融加剧了各省（自治区、直辖市,不包含港澳台地区）农民收入差距。论文为数字金融与农民增收关系的研究提供了一个新的视角,为优化数字金融助力农民增收、缓解农民收入差距的相关政策提供了参考。更多还原

【Abstract】 Itis worthconductingin-depthresearchonwhether thedevelopment of digital finance is conducive to increasing farmers’ income and has animpact on the income gap among farmers. The paper is based on panel data from 31provinces(autonomous regions, municipalities directly under the central government.excluding Hong Kong, Macao, and Taiwan)in China from 2011 to 2020. From thedual perspectives of increasing farmers’ income and income gap, it examines thenonlinear threshold effect of digital finance on farmers’ income growth and the spatialconvergence effect of digital finance on farmers’ income gap. Research has found thatthe impact of digital finance on farmers’ income has a "marginal effect increasing" that is, as the development level of digital finance crosses the corresponding thresholdvalue, the effect of increasing farmers’ income increases, The development level ofdigital finance in various regions exhibits spatial agglomeration characteristics of "high-high" and "low-low", Further analysis reveals that there is a significant gap inthe income level of farmers β Conditional convergence characteristics, and digitalfinance exacerbates the income gap among farmers in various provinces(autonomousregions, municipalities directly under the central government, excluding Hong KongMacao, and Taiwan) The paper provides a new perspective for the study of therelationship between digital finance and increasing farmers’ income, and provides areference for optimizing policies related to digital finance to help farmers increasetheir income and alleviate income gap.更多还原