| At the 19 th National Congress of the CPC,the CPC proposed the goal of leading the people to achieve common prosperity."Common prosperity has rich connotations and involves many aspects,including reducing regional disparities and urban-rural income disparities.Although we announced the goal of achieving the goal of building a moderately prosperous society in all respects at the centennial celebration of the founding of the Communist Party of China,the unfair and inadequate development of the economy and society still exist,especially in terms of urban-rural income disparities,which still have many challenges to be addressed.",This has become a key constraint in achieving the goal of common prosperity.As a western province in China’s regional development pattern,Shaanxi Province has now achieved the goals of overall poverty alleviation and building a moderately prosperous society in an all-round way with the entire country,but the income gap between urban and rural residents is still a weak link and a weak link in achieving common prosperity in the future.Therefore,it is necessary to further increase support and take policy measures to narrow the urban-rural income gap.In recent years,Shaanxi Province has witnessed rapid economic and social development and significant progress.However,due to various factors such as uneven distribution of urban and rural financial resources,differentiated degree of digitization,and insufficient depth of financial resource use,the income gap between urban and rural areas in Shaanxi Province is still relatively obvious.With the increasingly widespread application of digital inclusive finance,it has to some extent made up for some of the limitations and shortcomings of traditional inclusive finance.It can not only expand the coverage of the financial industry and deepen its application,but also improve the electronic degree of the financial industry,greatly improving the convenience and accessibility of financial services,thereby providing support for reducing the income gap between urban and rural areas.From the perspective of digital inclusive finance in the new era,this article explores its relevant mechanisms for reducing the urban-rural income gap,with a view to providing policy recommendations for reducing the urban-rural income gap at the regional level with policy support and differentiated management.Firstly,starting from the research background and significance,this article introduces some overview of digital inclusive finance and the urban-rural income gap in Shaanxi Province.Then,it elaborates on the significance of this study from both theoretical and practical perspectives,proposes research methods and ideas,and introduces the innovation and shortcomings of this article.Secondly,a review of domestic and foreign research literature in related fields is conducted,and literature review is conducted based on this.Thirdly,theoretical analysis is conducted on the impact of digital inclusive finance on the urban-rural income gap,mainly focusing on the role of digital inclusive finance in narrowing the urban-rural income gap in terms of coverage,depth of use,and degree of digitization,as well as the employment and income effects in the intermediary transmission mechanism.The theoretical mechanism of reducing the urban-rural income gap is analyzed.Fourthly,analyze the current development status of digital inclusive finance and urban-rural income gap in Shaanxi Province,mainly focusing on the global and Chinese development history of digital inclusive finance,the comparison of digital inclusive finance development status between Shaanxi Province and the country,and the development status of digital inclusive finance in various cities in Shaanxi Province.At the same time,analyze the current situation of urban-rural income gap in Shaanxi Province.Fifthly,the impact of digital inclusive finance on the urban-rural income gap is empirically tested and analyzed.This part focuses on the model design around the research hypothesis,and conducts empirical tests from the overall dimension,primary sub dimension and mesomeric effect of digital inclusive finance,in order to explore its impact on narrowing the urban-rural income gap,and on this basis,conduct regression analysis.Finally,it is the research conclusions and policy recommendations of this paper.Based on the empirical research of this paper,the following conclusions are drawn: the overall dimension and sub dimension of digital inclusive finance have convergence effects on the urban-rural income gap in Shaanxi Province,and show some differences in different dimensions.In terms of the mesomeric effect of digital inclusive finance on the urban-rural income gap,it can be transmitted through employment rate,per capita income and other channels;Then,based on the empirical analysis,this paper puts forward policy recommendations from five aspects,namely,further promoting the development of digital inclusive finance,strengthening the construction of digital infrastructure in rural areas,strengthening the popularization of digital inclusive finance domain knowledge in rural areas,deepening the digital application of traditional financial business,giving play to the intermediary role of digital inclusive finance in broadening employment channels and increasing income,etc,To provide reference and inspiration from a research perspective. |
