Abstract: On the basis of theoretical analysis, this paper uses spatial econometric model to study the spatial-temporal differentiation and influencing factors of digital inclusive finance development and urban-rural income gap in Yunnan province from 2011 to 2020. The results show that the development of digital inclusive finance in Yunnan province has a convergence effect on the urban-rural income gap in general, but there is a u-shaped curve relationship between them at present. The development of digital inclusive finance also has a convergence effect on the urban-rural income gap in yunnan province. The breadth of coverage, depth of use and degree of digitalization of digital inclusive finance will narrow the urban-rural income gap in Yunnan Province, among which the breadth of coverage has a greater impact. Therefore, digital inclusive finance should be developed according to local conditions to enhance the linkage of regional economic development. Yunnan province should raise the level of urbanization and guide the development of local digital inclusive finance to less developed areas, and strengthening the construction of digital infrastructure to expand the coverage of digital inclusive finance.