【摘要】 基于2011—2023年的省级行政面板数据和固定效应模型，实证分析数字普惠金融对城乡收入差距的影响以及创新投入在数字普惠金融与城乡收入差距之间是否存在中介作用。研究结果表明：数字普惠金融能够显著减少城乡收入差距，创新投入在两者之间发挥中介作用。区域异质性上，在东部地区，创新投入在数字普惠金融与城乡收入差距之间发挥中介作用，而在中、西部地区，创新投入均没有表现出中介作用。研究结论为充分发挥数字普惠金融优势、减少城乡收入差距提供了理论支持。更多还原

【Abstract】 Based on provincial administrative panel data and fixed effects models from 2011 to 2023,the study empirically analyzes the impact of digital inclusive finance on urban-rural income disparity, and whether innovation investment plays an intermediary effect between digital inclusive finance and urban-rural income disparity.The research results indicate that digital inclusive finance can significantly reduce urban-rural income disparity, and innovation investment plays an intermediary effect between the two.In terms of regional heterogeneity, in the eastern region innovation investment plays an intermediary effect between digital inclusive finance and urban-rural income disparity, while in the central and western regions, innovation investment does not play a mediating role.The conclusion provides theoretical support for fully leveraging the advantages of digital inclusive finance and reducing the urban-rural income disparity.更多还原