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Academic Journal of Humanities & Social Sciences, 2023, 6(12); doi: 10.25236/AJHSS.2023.061202.

A Study on the Impact of Digital Inclusive Finance on Urban-Rural Income Gap in Western China


Lu Jiayue

Corresponding Author:
Lu Jiayue

School of Economics, Cuangxi University, Nanning, China


With the improvement of economic development, people's living standards are getting better and better. But the gap between urban and rural income level is large. This paper studies the relationship between digital inclusive finance and the urban-rural income gap, and puts forward scientific and reasonable suggestions to narrow the urban-rural income gap. In terms of empirical research, this paper selected relevant variables of 104 prefecture-level cities in western China from 2011 to 2019 to form panel data, conducted empirical test, and obtained the result that digital inclusive finance has a reverse relationship with urban-rural income gap, and the coefficient is -0.316. This indicates that the development of digital inclusive finance can significantly reduce the urban-rural income gap of prefecture-level cities in western China. The empirical results are robust. The research conclusion of this paper is that digital financial inclusion is indeed conducive to narrowing the urban-rural income gap. Finally, from the perspective of developing digital inclusive finance, it puts forward some policy suggestions.


Digital Inclusive Finance; Urban-rural Income Gap; Panel Data; Fixed Effect

Cite This Paper

Lu Jiayue. A Study on the Impact of Digital Inclusive Finance on Urban-Rural Income Gap in Western China. Academic Journal of Humanities & Social Sciences (2023) Vol. 6, Issue 12: 7-13. https://doi.org/10.25236/AJHSS.2023.061202.


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