【摘要】 基于2011—2023年安徽省16个地级市的面板数据，运用熵值法测度城乡融合发展水平，借助门槛回归模型，实证考察数字普惠金融发挥的作用。研究表明，数字普惠金融能有效促进城乡融合发展；异质性考察表明，这种促进作用在不同区域和维度上表现不一；中介效应检验发现，劳动力转移与区域科技创新是数字普惠金融促进城乡融合发展关键的传导角色。进一步分析发现，数字普惠金融对城乡融合发展的影响还受到其自身发展水平两个门槛值的调节。更多还原

【Abstract】 Based on panel data from 16 prefecture-level cities in Anhui province between 2011 and 2023, this study measures the level of urban-rural integrated development using the entropy method and empirically examines the role of digital inclusive finance through a threshold regression model. The findings indicate that digital inclusive finance effectively promotes urban-rural integration, with its effect varying across regions and dimensions as revealed by heterogeneity analysis. Furthermore, mediation effect tests identify labor transfer and regional technological innovation as key transmission mechanisms. Further analysis demonstrates that the impact of digital inclusive finance is also moderated by two threshold values relating to its own level of development.更多还原