金融学院知识库

中国的经济发展已经步入了新的阶段，但城乡发展失衡的现象依然显著，这不仅阻碍了全面繁荣，还阻碍共同富裕目标实现的步伐，这时金融体系具有非常重要的作用。数字普惠金融能让弱势群体获得更多金融支持，并能改善经济发展不均的现象。尤其在甘肃省，如何有效缩小城乡间的收入差距并推进共享富饶，已成为当务之急。

在这个数字化转型的时代，数字普惠金融作为一种新兴的金融服务模式，因其便捷性和公平性日益受到瞩目，其发展速度在全球范围内明显加快。与此同时，甘肃省城乡收入差距的缩小似乎也与其发展有所关联。因此，我们不禁思考：发展甘肃省的数字普惠金融对其是否影响城乡收入差距？深入理解这种联系及其对缩小差距的实际作用，对于实现全省的均衡发展至关重要。

本文首先依托于国内外丰富的学术资源，结合北京大学数字金融研究中心和甘肃省统计局的权威数据，对当前的状况进行了详尽的剖析。在理论探讨环节，我们整合了多元经济结构理论、金融创新论、金融排斥论以及金融功能论，对数字普惠金融可能产生的效应路径进行了深度解读，并基于这些理论提出了相关研究假设。在实践分析阶段，我们采用了科学严谨的手段，利用2011年至2022年甘肃省各市级区域的详细数据，通过面板数据分析技术，结合固定效应模型，细致地考察了数字普惠金融的发展壮大、渗透深度、覆盖范围以及各种金融服务功能如何具体作用于城乡收入差距问题。

分析表明，甘肃省城乡收入鸿沟因数字普惠金融的广泛采纳和深入发展而有所减小。此外，这种金融服务的不同功能也显现出各种影响。因此，本文提出来了具体的策略推荐，包括加强乡村地区的数字基础设施，提高农民的金融福利，推动数字金融产品创新，以及优化数字普惠金融的监管体系。这些举措旨在为甘肃省在“十四五”规划期间达成共同富裕的目标提供支持。

China's economic development has entered a new stage, but the imbalance between urban and rural development is still significant, which not only hinders overall prosperity, but also hinders the pace of achieving the goal of common prosperity. At this time, the financial system plays a very important role. Digital financial inclusion can provide more financial support to vulnerable groups and improve economic inequality. Especially in Gansu Province, how to effectively narrow the income gap between urban and rural areas and promote the sharing of prosperity has become a top priority.

In this era of digital transformation, digital financial inclusion, as an emerging financial service model, has attracted increasing attention due to its convenience and fairness, and its development speed has accelerated significantly around the world. At the same time, the narrowing of the urban-rural income gap in Gansu Province also seems to be related to its development. Therefore, we cannot help thinking: Will developing digital financial inclusion affect the urban-rural income gap in Gansu Province? A deep understanding of this connection and its practical role in closing the gap is critical to achieving balanced development across the province.

First of all, this paper relies on abundant academic resources at home and abroad, combined with the authoritative data of Peking University Digital Finance Research Center and Gansu Provincial Bureau of Statistics, to conduct a detailed analysis of the current situation. In the theoretical discussion part, we use the theory of multiple economic structure, financial development, financial exclusion and financial function to explore the possible mechanism of digital financial inclusion, and propose research hypotheses based on it. The empirical study conducted panel data analysis on the data of 14 prefecture-level cities in Gansu Province from 2011 to 2022, and adopted a fixed-effect regression model to investigate the overall development, depth and breadth of digital inclusive finance and the specific impact of different functional financial services on the urban-rural income gap.

The research results show that the popularization and deepening of digital inclusive finance are conducive to narrowing the urban-rural income gap in Gansu Province, and the diversity of its services also has different effects. Accordingly, this paper puts forward a series of targeted policy recommendations, such as strengthening the construction of rural digital infrastructure, improving the financial income of rural residents, encouraging the innovation of digital financial products, and improving the regulatory framework of digital inclusive finance. These measures are designed to support Gansu's goal of achieving common prosperity during the 14th Five-Year Plan period.