Analysis of Spatial Spillover Effects of Digital Inclusive Finance on Urban-Rural Income Gap

Abstract

This article mainly analyzes the changes in urban-rural disparities under digital inclusive finance, which can be divided into three levels of research objectives, gradually and layer by layer. Firstly, based on the theoretical foundation of accelerating the development of rural financial markets and reducing economic disparities between rural and urban areas through digital inclusive finance, a panel threshold model is constructed to quantitatively analyze the threshold effect of digital inclusive finance on the urban-rural income gap, and to study how to reduce the threshold effect and narrow the digital divide between rural and urban areas; Secondly, from the perspective of spatial spillover, this study examines the positive or negative spatial spillover effects of digital inclusive finance on regional urban-rural income disparities, in order to analyze the direction of the impact of digital inclusive finance on urban-rural income disparities. Using the Spatial Panel Lag Model (SAR) and Spatial Durbin Model (SDM) to empirically test their inherent correlation and impact; Thirdly, there are differences in policies and resource allocation among provinces and cities, as well as differences in urban-rural income disparities in different regions. Based on this, a quantitative analysis model is constructed to analyze the path and methods of digital inclusive finance promoting urban-rural income disparities.