【摘要】 本文基于我国287个城市2013-2021年的面板数据，运用空间自相关检验、趋势面分析等方法探讨了数字普惠金融与城乡收入差距之间的内在关系。研究发现：(1)我国数字普惠金融发展和城乡收入差距在空间集聚模式的变化上呈现出相反的变化趋势。(2)数字普惠金融和城乡收入差距的空间分布趋势呈现出倒“U”型分布，且分布趋势相反。(3)分样本回归结果表明，在中部地区、西部地区、经济发展中地区和经济欠发达地区，数字普惠金融的发展能够显著缩小城乡收入差距。(4)与高城镇化地区相比，数字普惠金融在低城镇化地区所产生的收入“收敛效应”更显著。(5)进一步分析表明数字普惠金融的发展存在“空间传递”效应。据此，从优化数字普惠金融的空间布局、加强数字基础设施建设和推动数字普惠金融在区域间协调发展三方面提供政策建议。更多还原

【Abstract】 Utilizing panel data from 287 cities in China spanning the years 2013 to 2021. By employing spatial autocorrelation tests and trend surface analysis, the study delves into the intricate relationship between digital inclusive finance and the urban-rural income gap. The findings are as follows:(1) The progression of digital inclusive finance and the urban-rural income gap in China exhibit opposing trends in the alteration of spatial agglomeration patterns.(2) The spatial distribution trends of digital inclusive finance and the urban-rural income gap manifest an inverted U-shaped distribution, with contrasting trends observed.(3) Sub-sample regression results reveal that in the central and western regions, as well as economically developing and underdeveloped areas, the advancement of digital inclusive finance significantly diminishes the urban-rural income gap.(4) In comparison to highly urbanized areas, the convergence effect of digital inclusive finance is more pronounced in low-urbanization regions.(5) Further analysis indicates that the development of digital inclusive finance possesses a “spatial transmission” effect. Consequently, this study offers policy recommendations from three perspectives: optimizing the spatial arrangement of digital inclusive finance, reinforcing the construction of digital infrastructure, and fostering coordinated development of digital inclusive finance across regions.更多还原