Research On Digital Inclusive Finance,Educational Constraints And Urban-Rural Income Convergence

The problem of urban-rural income gap has always been an important topic of China's economic and social development.Financial development has an important impact on regional economic growth.It also has an important impact on the urban-rural income gap.Research finds that financial exclusion expands urban-rural income gap.Therefore,the inclusive financial system aimed at preventing financial exclusion has become an important policy tool.Due to the inability to overcome the drawbacks of financial pursuit of profit,the construction of traditional inclusive finance is encountering"inclusive financial paradox"The integration of inclusive finance and digital technology is reshaping the financial format and operating rules,and is a new financial structure.Digital Inclusive Finance is actively pursuing the inclusive meaning of "providing service for everyone".Relying on big data and internet technology,digital inclusive finance overcomes the shortcomings of traditional finance.There is no doubt that the important impact of digital inclusive finance will become more apparentThis paper draws the following important conclusions.Firstly,digital inclusive finance can narrow the income gap between urban and rural areas.Secondly,digital inclusive finance requires users to have a certain knowledge reserve.Digital inclusive finance still faces the problem of "technical barriers".Thirdly,digital inclusive finance has abundant scientific connotation.At different stages of economic development,social groups should have different types of demand for digital finance.If demand and supply cannot be matched,the impact of digital inclusive finance on urban and rural income will be weakened.Based on this,this paper proposes the following policy recommendations:Firstly,we must continue to promote the construction of digital inclusive finance,and policy support is moderately inclined to the countryside.Secondly,we must strengthen the infrastructure construction of digital inclusive finance.Thirdly,we need to build an integrated digital financial information system;Fourth,we must continuously strengthen the general education of digital finance;Fifth,according to regional economic and social conditions,we need to develop different types of digital inclusive finance;Sixth,the products of financial inclusive finance should match the supply and demand.