数字普惠金融对浙江省县域城乡收入差距的影响研究OACHSSCD

Based on county-level panel data from Zhejiang Province from 2014 to 2023,this paper uses the Theil index to measure the urban-rural income gap and applies a two-way fixed effects model to examine the impact of the aggregate digital inclusive finance index.The results show that the lagged aggregate index of digital inclusive finance significantly reduces the Theil index,indicating that the development of digital inclusive finance contributes to the convergence of the urban-rural income gap.This conclusion remains robust after replacing the measurement of the core explanatory variable,applying winsorization,and adding the industrial structure variable.After using the two-period lagged core explanatory variable to address potential endogeneity,digital inclusive finance still shows a significant gap-reducing effect.Heterogeneity analysis further reveals that this effect is more pronounced in counties with a higher initial urban-rural income gap.Mechanism tests suggest that digital inclusive finance promotes the convergence of the urban-rural income gap by increasing the level of non-agriculturalization.Research suggests that further improvements should be made to the county-level digital finance service system to effectively integrate digital finance with non-agricultural employment,rural industrial development,and income growth for residents.