Empirical Study On The Impact Of Digital Inclusive Finance On Urban-rural Income Gap In China Based On Spatial Econometric Model

Nowadays,with the rapid development of Internet technology,China's financial and digital technology has also begun to try new combinations,and developed a new development model of digital finance.Using the extensive and comprehensive nature of the Internet,it has gradually enhanced the inclusiveness of financial development.,to improve the breadth and depth of financial services,and to achieve the convenience and availability of financial development results in various provinces and municipalities,while ensuring the equal access of urban and rural residents to economic development results and financial services resources,to some extent It has alleviated the economic imbalances faced by urban and rural economic development and effectively reduced the urban-rural income gap.Therefore,on the whole,the development of digital inclusive finance has made up for the shortcomings of China's traditional inclusive financial development model.The advantages of using the Internet have further expanded the coverage of financial services,and effectively improved the rural financial services drug system.The narrowing has created favorable conditions.Therefore,based on the background of the development of digital inclusive finance in China,this paper first systematically discusses domestic and foreign literatures and important theories about the development of digital inclusive finance and the income gap between urban and rural areas,and initially forms the theoretical basis of this paper,and concludes from it.The impact mechanism and spatial effect of digital inclusive finance on urban-rural income gap.Furthermore,this paper selects the spatial panel data of 2013-2018 as the basis of empirical research,and takes the urban-rural income gap ratio as the explanatory variable,the digital inclusive financial development index as the explanatory variable,and selects the degree of openness,industrial structure,urbanization development level,Indicators such as fiscal expenditure ratio and economic growth are used as control variables,and component space measurement models are used for empirical analysis.Through empirical research,it is found that the development of digital inclusive finance does have a significant impact on the reduction of urban-rural income gap,and it also has a positive effect on rural economic development and financial construction.However,due to the economic foundation of China's economically underdeveloped provinces Weakness,the degree of digital financial support,and the backwardness of digital financial services have led to the inclusiveness of digital finance,and the slowing effect on the urban-rural income gap is relatively poor.Therefore,based on this problem,this paper focuses on strengthening the digital infrastructure construction,improving the digital financial organization system and promoting the rational allocation and improvement of digital inclusive financial resources among different provinces.The micro-enterprise multi-dimensional digital financial support and the establishment and improvement of the digital financial supervision system put forward rationalization proposals in order to further narrow the urban-rural income gap and realize the balanced development of urban and rural digital financial services in China.