| 摘要: |
| 打赢脱贫攻坚战后，城乡收入差距已成为实现我国共同富裕目标要解决的关键问题。本文基于2015、2017和2019年中国家庭金融调查数据，就数字普惠金融对城乡收入差距的影响进行实证分析。研究发现：数字普惠金融能缩小城乡收入差距；数字普惠金融对城乡收入差距的影响效果具有“正U型”关系，即数字普惠金融不同发展时期对城乡收入差距的影响效果不同；数字普惠金融通过促进金融认知水平来缩小城乡收入差距。根据所得结论，本文提出加大数字普惠金融创新、提升农户数字金融素养，以数字化技术完善农村征信体系，缓解城乡收入差距以逐步推进共同富裕目标实现的对策思路。 |
| 关键词: 关键词：数字普惠金融；城乡收入差距；共同富裕；金融基础设施 |
| DOI： |
| 分类号:F832.1 |
| 基金项目:基金项目：国家社会科学基金一般项目“深度贫困地区创业扶贫与消费扶贫的协同机制及对策研究”（19BGL206）；湖南省社会科学基金一般项目“数字普惠金融支持乡村振兴机制研究”（21YBA148）。 |
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| Can Digital Financial Inclusion Alleviate the Urban-Rural Income Gap——Evidence Based on CHFS Survey Data |
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ZENG Zhi-ming，LI Jia-yan，CHEN Jiao-ying
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（Hunan University of technology and Business，School of Finance）
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| Abstract: |
| After winning the tough battle of poverty alleviation，the urban-rural income gap has become a key issue to be solved to achieve my country’s goal of common prosperity.Based on the data from the China Household Finance Survey from 2015 to 2019，this article empirically analyzes the impact of digital financial inclusion on the urban-rural income gap.The study found that：First，digital financial inclusion can narrow the urban-rural income gap；Second，the impact of digital financial inclusion on the urban-rural income gap has a “U-shaped” relationship，the impact of digital financial inclusion in different development periods on the urban-rural income gap.Third，digital financial inclusion narrows the urban-rural income gap by promoting financial awareness.This paper proposes countermeasures to increase the innovation of digital inclusive finance，improve the digital financial literacy of farmers，improve the rural credit information system with digital technology，ease the urban-rural income gap，and gradually promote the realization of the goal of common prosperity. |
| Key words: Key words：Digital Financial Inclusion；Urban-rural Income Gap；Common Prosperity；Financial Infrastructure |
