以2011—2021年全国284个地级市为样本，使用北京大学数字普惠金融指数及其三个分维度指数衡量数字普惠金融发展水平，构建泰尔指数衡量城乡收入差距，从宏观视角来看，数字普惠金融发展能够缩小城乡收入差距，这一缩小效应在中西部地区明显较强。在此基础上，使用北京大学数字普惠金融指数及其三个分维度指数匹配CFPS2012—2020五期数据集，从农村家庭这一微观社会单元入手，揭示数字普惠金融通过缓解农村家庭正规信贷约束、改善农村家庭生产经营、提高农村家庭收入水平等微观机制赋能农村居民增收从而缩小城乡收入差距。

Utilizing a sample comprising 284 prefecture-level cities in China from 2011 to 2021, this study employs the Peking University Digital Inclusive Finance Index and its three sub-dimension indices to measure the level of digital inclusive finance development, and constructs the Theil index to measure the urban-rural income gap. From a macro perspective, it finds that the advancement of digital inclusive finance can narrow the urban-rural income gap, particularly demonstrating a more pronounced effect in cities in the central and western regions of China. On this basis, the study further integrates the Peking University Digital Inclusive Finance Index and its three sub-dimension indices to match with the CFPS 2012—2020 five-phase dataset. By delving into rural households as the micro-social unit, the research unveils that digital inclusive finance empowers rural residents to increase their income, subsequently contributing to the reduction of the urban-rural income gap through micro mechanisms including alleviating the formal credit constraints of rural households, enhancing their production and operation capabilities, and increasing the income level within rural households.

F124.7；F832.7

国家社会科学基金青年项目（22CGL003）；中国博士后科学基金面上项目（2021M700929）；广州市宣传文化人才培养专项经费资助