| At present,China has achieved success in poverty alleviation,but the problem of income imbalance between urban and rural residents has not been completely solved.Therefore,how to consolidate the achievements of poverty alleviation and prevent residents from falling back into poverty is a problem that needs to be focused.The 19 th National Congress of the Communist Party of China put forward the rural revitalization strategy,which is conducive to eliminating the imbalance between urban and rural development.In 2018,the State Council issued the Central Document No.1,how to promote the strategy of rejuvenating rural financial sector,put forward the concrete opinions: should response to the characteristics of agriculture and rural areas,the construction of rural financial system,more efficient allocation of financial resources to rural economic development in key areas and weak links,with greater efforts to meet the demand of rural revitalization of the various financial.Theoretical studies show that inclusive finance can narrow the income gap between urban and rural areas,but its service coverage has certain limitations due to the limitations of service scope,service cost and other factors.The rapid development of mobile communication,Internet and other information technologies has provided new ideas for inclusive finance and innovated the form of inclusive finance.Digital inclusive finance has gradually attracted attention.Relying on information technology,digital inclusive finance can effectively break through the limitations of traditional inclusive finance,which is conducive to reducing the cost of financial services,expanding the scope of financial services,and controlling the risks of financial services.As an important old industrial base and agricultural base in China,the Northeast region has achieved rapid economic development under the promotion of relevant national policies.At the same time,the urban-rural income gap has widened significantly,and the urban-rural dual economic structure has become increasingly prominent,which has a huge impact on an area dominated by agricultural population.The gap between the rich and the poor is not conducive to the sustainable economic development of northeast China,but also endangers the harmony and stability of the society.Under the new development pattern,in order to promote the comprehensive revitalization of northeast China,it is urgent to solve the problem of urban-rural income gap in the rapid economic development.Therefore,studying the impact of digital financial inclusion on the urban-rural income gap in Northeast China is of great significance for narrowing the urban-rural income gap.This paper combs a large number of relevant domestic and foreign literature,summarizes the relevant concepts and theories of digital inclusive finance and urban-rural income gap,conducts a comprehensive analysis of the current development situation of digital inclusive finance and urban-rural income gap in Northeast China.On this basis,by selecting the data of 33 prefecture-level cities in Northeast China to build a panel regression model.Theil index is used to measure the urban-rural income gap,the Peking University Digital Inclusive Finance Index is used to measure the overall and sub-dimension development level of digital inclusive finance,the fixed effect model is used to analyze the impact of digital inclusive finance on the urban-rural income gap in northeast China.The final results show that digital inclusion financial can narrow the urban-rural income gap in Northeast China.Finally,this paper draws corresponding conclusions based on the analysis of the impact of digital financial inclusion on the urban-rural income gap,puts forward targeted suggestions based on the current overall development of digital financial inclusion in Northeast China. |
