A study on the influencing factors of the development model of inclusive finance on the income gap between urban and rural residents in the Yangtze River Delta region
普惠金融发展模式对长江三角洲地区城乡居民收入差距的影响因素研究

摘要

长三角地区一体化发展作为我国重要的战略部署，其地区经济发展对该区域内城乡居民收入有着直观的影响。当下，普惠金融发展模式正在长三角地区全方位铺开，旨在促进地区经济高速发展。但是笔者在对近年来该地区银行披露财报进行调研时发现，自疫情以来，中国经济虽受到一定程度的打击，但地区经济仍稳步发展，地区生产总值增速放缓，居民生活物价出于合理范围，各行业就业形势保持稳定。但受俄乌战争影响，国际局势变幻莫测，我国宏观经济政策调控尚需保持稳定，通过进一步改善供给侧结构，解决后疫情时代进出口贸易壁垒和产能过剩等问题。而普惠金融在基础设施、服务门槛等层面的变革，进一步影响了长江三角洲崎岖的经济增长，产生了令人欣喜的正相关效应。经济增长引发涓滴效应，从而影响了长三角地区的城乡居民收入。本文也进一步分析了影响城乡居民收入差距的因素，并对此作出了讨论。

Abstract

As an important strategic deployment in China, the integrated development of the Yangtze River Delta has an intuitive impact on the income of urban and rural residents in the region. At present, the inclusive financial development model is being rolled out in all directions in the Yangtze River Delta, aiming to promote regional economic development. However, when investigating the financial reports disclosed by banks in the region in recent years, the author found that since the epidemic, although China's economy has been hit to a certain extent, the regional economy has developed steadily, the growth rate of regional GDP has slowed down, the residents' living prices are within a reasonable range, and the employment situation in various industries has remained stable. However, affected by the Russian Ukrainian war and the unpredictable international situation, China's macroeconomic policy regulation still needs to remain stable. By further improving the supply side structure, we can solve the problems of import and export trade barriers and overcapacity in the post epidemic era. The changes of Inclusive Finance at the levels of infrastructure and service threshold have further affected the rugged economic growth of the Yangtze River Delta and produced a gratifying positive correlation effect. Economic growth leads to a trickle down effect, which affects the income of urban and rural residents in the Yangtze River Delta. This paper also further analyzes the factors affecting the income gap between urban and rural residents, and discusses it.