李婉婷. 数字普惠金融与城乡收入差距的时空分异及影响因素研究——基于云南省的实证分析[J]. 云南农业大学学报(社会科学), 2022, 16(6): 73−81. doi: 10.12371/j.ynau(s).202204073
引用本文: 李婉婷. 数字普惠金融与城乡收入差距的时空分异及影响因素研究——基于云南省的实证分析[J]. 云南农业大学学报(社会科学), 2022, 16(6): 73−81. doi: 10.12371/j.ynau(s).202204073
LI Wanting. The Spatial-temporal Differentiation and Influencing Factors of Digital Inclusive Finance and Urban-rural Income Gap: An Empirical Study of Yunnan Province[J]. Journal of Yunnan Agricultural University (Social Science), 2022, 16(6): 73-81. DOI: 10.12371/j.ynau(s).202204073
Citation: LI Wanting. The Spatial-temporal Differentiation and Influencing Factors of Digital Inclusive Finance and Urban-rural Income Gap: An Empirical Study of Yunnan Province[J]. Journal of Yunnan Agricultural University (Social Science), 2022, 16(6): 73-81. DOI: 10.12371/j.ynau(s).202204073

数字普惠金融与城乡收入差距的时空分异及影响因素研究基于云南省的实证分析

The Spatial-temporal Differentiation and Influencing Factors of Digital Inclusive Finance and Urban-rural Income Gap: An Empirical Study of Yunnan Province

  • 摘要: 本文在理论分析的基础上,运用空间计量模型对云南省2011—2020年数字普惠金融发展与城乡收入差距的时空分异及影响因素展开研究。结果表明:云南省数字普惠金融发展总体上对城乡收入差距具有收敛效果,但现阶段二者存在着“U”型曲线关系;云南省域内各州(市)的数字普惠金融发展对邻近地区的城乡收入差距同样具有收敛效应;数字普惠金融的覆盖广度、使用深度、数字化程度均会缩小云南省的城乡收入差距,其中覆盖广度的影响效应更大。因此,云南省应因地制宜发展数字普惠金融,增强各地区经济发展的联动性。提高城镇化水平,引导地方数字普惠金融向欠发达地区发展。加强数字基础设施的建设,扩大数字普惠金融覆盖广度。

     

    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.

     

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