山东工商学院学报

基于2011—2020年山东省16个地级市的面板数据，实证探究山东省数字普惠金融发展对城乡收入差距的影响，结果表明：数字普惠金融的发展显著缩小了城乡之间的收入差距；门槛回归分析结果表明数字普惠金融对城乡收入差距的影响存在单一门槛；异质性分析发现，数字普惠金融的三个维度对城乡收入差距的影响各异。其中，使用深度影响最大，覆盖广度次之，数字化程度最小。数字普惠金融能够显著收敛鲁北和鲁中地区的城乡收入差距，而在鲁南地区反而加剧了城乡收入差距，对胶东地区影响则不显著；从中介传导机制来看，政府支农力度的加大有助于数字普惠金融更好地缩短城乡收入差距。最后，从三个方面提出针对性的政策建议。

Based on the panel data of 16 prefecture-level cities in Shandong Province from 2011 to 2020, this paper empirically explores the impact of the development of digital inclusive finance on the urban-rural income gap in Shandong Province. The results show that: the development of digital inclusive finance significantly reduces the urban-rural income gap; The results of threshold regression analysis show that there is a single threshold for the impact of digital financial inclusion on urban-rural income gap. Heterogeneity analysis shows that the three dimensions of digital financial inclusion have different impacts on the urban-rural income gap. Among them, the use depth has the greatest influence, followed by the coverage breadth, and the digitization degree is the least. Digital inclusive finance can significantly reduce the urban-rural income gap in northern and central Shandong, but in southern Shandong, it aggravates the urban-rural income gap, but has no significant impact on Jiaodong. From the perspective of intermediary transmission mechanism, the strengthening of government support for agriculture will help digital inclusive finance better shorten the urban-rural income gap. Finally, the paper puts forward targeted policy suggestions from three aspects.