【摘要】 基于2013—2022年甘肃省数据，探讨数字普惠金融发展对农村居民收入的影响及其内在机制。通过构建基准回归、中介效应及门槛模型进行实证分析。结果显示，数字普惠金融显著促进了甘肃省农村居民收入增长，其作用路径主要体现在提升农业全要素生产率及激发农村创业活跃度两方面。此外，经济发展水平发挥中介作用，数字普惠金融与经济发展水平存在门槛效应。提出加强数字基础设施建设、推动农业现代化、支持农村创业、优化金融资源配置等政策建议，以促进农村居民收入增长，为相关政策制定提供科学依据。更多还原

【Abstract】 Based on the relevant data of Gansu Province from 2013 to 2022, discussing the impact of digital inclusive financial development on rural residents’ income and its mechanism.Through the construction of benchmark regression model, intermediary effect model and threshold model for empirical analysis, the results show that digital inclusive finance has a significant positive impact on the income of rural residents in Gansu Province, mainly through the improvement of agricultural total factor productivity and rural entrepreneurial activity. In addition, the level of economic development plays an intermediary role, and there is a threshold effect between digital inclusive finance and the level of economic development. This paper puts forward some policy suggestions, such as strengthening the construction of digital infrastructure, promoting agricultural modernization, supporting rural entrepreneurship, and optimizing the allocation of financial resources, so as to promote the growth of rural residents ’ income and provide scientific basis for relevant policy formulation.更多还原