摘要
中国经济在几十年的发展中增长迅速，城乡收入差距却在不断扩大，变成了经济与
社会发展过程中不可忽视的问题，金融作为影响一个国家或地区的重要因素，对我国城
乡收入差距具有重要影响。在这样的背景下，研究金融排斥在其中的作用，成为了学术
界的重要议题。作为改善金融排斥而出现的普惠金融，其普惠性成为了改变这种困境的
良药。但在实际建设过程中，由于各种原因，普惠金融的建设正在偏离原有的初衷。普
惠金融与数字化技术结合产生的数字普惠金融弥补了传统普惠金融的不足，其借助自身
在覆盖广度及数字化程度上的优势，正在践行普惠性的要义，改善城乡收入差距过大的
现状，在经济社会发展中发挥更大的作用。
山东省作为 31个省份中的第二大省，虽然经济总量大，但城市与乡村之间的收入
差距仍然很大，影响着山东省的社会和谐稳定与经济平稳运行，成为了亟待解决的问题。
数字普惠金融能够帮助改善山东省城乡二元化的结构现状，缩小城乡之间收入不平等，
提升山东省农业人口等弱势群体的生活质量，促进社会的平稳运行与经济的稳定发展。
因此，研究数字普惠金融对山东省城乡收入差距的影响具有重要的理论价值和现实意义。
本文依据 2011-2020年山东省各地市的数据，运用固定效应模型和门槛面板模型探
究山东省数字普惠金融的发展对其城乡收入差距的影响。首先，对数字普惠金融进行概
念界定和相关理论分析，并就数字普惠金融对于城乡收入差距的影响机制进行分析。其
次，对山东省数字普惠金融和城乡收入差距的发展现状及其关系进行分析。再次，对山
东省城乡收入差距进行测算，并基于 2011-2020年山东省 17个地市的面板数据进行了
固定效应及门槛效应分析，分别从全省和三大经济圈（鲁南经济圈、省会经济圈、胶东
经济圈）的角度探究了数字普惠金融的发展对城乡居民收入差距的影响。研究结果表明，
数字普惠金融能够有效缩小城乡之间的收入差距，其发展是改善农村金融环境，解决发
展难题的重要一步，并且数字普惠金融能够进一步促进山东省整体城镇化和经济现代化
的发展。最后，针对前面论证的检验结果提出对策意见。第一，加强山东省数字化基础
设施建设，完善基础化网络体系；第二，制定符合不同地市数字普惠金融发展的战略及
方向，实现数字普惠金融的高质量发展；第三，不断加强农村地区基础金融知识的教育
和普及；第四，加强数字普惠金融法律法规建设，完善数字普惠金融的监管。
关键词：数字普惠金融；城乡收入差距；门槛效应
I

Abstract
China's economy has grown rapidly over the decades, but the urban-rural income gap is
widening, turning into a problem that cannot be ignored in the process of economic and social
development. As an important variable that can affect a country or region, finance has an
important impact on the urban-rural income gap in China, and in this context, studying the
role of financial exclusion in it has become an important topic in academia. Inclusive finance,
which emerged as a way to improve financial exclusion, has become a good medicine to
change this dilemma due to its universality. However, in the actual construction process, the
construction of inclusive finance is deviating from its original intention due to various reasons.
The combination of inclusive funding and digital technology has resulted in digital inclusive
financing, which addresses gaps in traditional inclusive funding. With its advantages in
coverage and digitalization, digital inclusive finance is practicing the essence of inclusiveness,
improving the status quo of the wide income gap between urban and rural areas, and playing a
greater role in economic and social development.
As the second largest province among 31 provinces, Shandong Province has become an
urgent problem with a large income gap between urban and rural areas, despite its large
economic volume. Digital inclusive finance plays a big role in it, which can help reduce the
status quo of income inequality between urban and rural areas, improve the status quo of
urban-rural dualistic structure, enhance the quality of life of disadvantaged groups such as
agricultural population in Shandong Province, and promote the smooth operation of society
and stable economic development.
This paper analyzes the statistical yearbook data of Shandong Province from 2011 to
2020 using fixed-effects model and threshold panel model to explore the impact of the
development of digital inclusive finance on the urban-rural income gap in Shandong Province.
Firstly, the concept of digital inclusive finance is defined and related theories are analyzed,
and the impact mechanism of digital inclusive finance on the urban-rural income gap is
analyzed. Secondly, the development status of digital inclusive finance and urban-rural
income gap in Shandong Province and its relationship are analyzed. Again, this paper
measures the urban-rural income gap in Shandong Province and conducts a fixed-effect and
II
。。。以下略