【摘要】 文章基于19个城市群数据，研究数字普惠金融、传统金融对城市群集聚的影响机理。研究发现，在对城市群集聚的影响上，数字普惠金融表现出正向影响，且与传统金融存在互补效应。传统金融发展在数字普惠金融对城市群集聚的推动中具有门槛效应：即只有当传统金融发展到一定阶段时，数字普惠金融才能弥补传统金融的不足，推动城市群集聚。数字普惠金融通过引导不同能级城市空间功能分布优化，实现城市群集聚提升。基于以上研究结论，文章从发展战略、发展方式、发展路径三方面探讨数字普惠金融发展带动城市群集聚提升的相关政策建议。更多还原

【Abstract】 Based on data from 19 urban agglomerations, the article studies the impact mechanism of digital inclusive finance and traditional finance on urban agglomeration. Research has found that digital inclusive finance has a positive impact on urban agglomeration and has a complementary effect with traditional finance. The development of traditional finance has a threshold effect in the promotion of urban agglomeration by digital inclusive finance: that is, only when traditional finance develops to a certain stage, digital inclusive finance compensates for the shortcomings of traditional finance and promotes urban agglomeration. Digital inclusive finance guides the optimization of urban spatial functional distribution of different levels, achieving the improvement of urban agglomeration. Based on the above research conclusions, the article explores relevant policy recommendations for the development of digital inclusive finance to drive urban agglomeration and upgrading from three aspects: development strategy, development mode, and development path.更多还原