华北电力大学学报(社会科学版)

普惠金融旨在为有金融消费需求的弱势群体提供低成本且平等的金融服务，以此来促进金融资源的均衡分配和经济的稳定发展。近年来随着数字化科技的飞速发展，人工智能、大数据等技术被广泛应用于金融领域，数字普惠金融（Digital Financial Inclusion, DFI）逐渐得到学术界和实务界的关注。我国积极探索和创新，不断推进数字普惠金融的发展，使其能够提高农民等弱势群体的收入，并改善他们的生活。数字普惠金融的发展是否真正的惠及万千百姓、对农村收入水平起到了促进作用，需要进一步分析验证。本文以西部某省为例，利用该省12个地级市和2个自治州2011年—2018年的市域面板数据，通过构建多元线性回归模型，检验数字普惠金融对农村收入水平的影响。实证结果表明，数字普惠金融的发展显著提高了农村居民的收入水平。本文也总结了西部地区数字普惠金融发展过程中存在的问题，并提出了相应的政策建议。

Inclusive Finance aims to provide low-cost and equal financial services for the disadvantaged groups so as to promote the balanced distribution of financial resources and the stable development of economy. With the rapid development of digital technology in recent years, artificial intelligence, big data and other technologies have been widely used in the financial field. Digital financial inclusion(DFI) has gradually gained attention from academia and financial circles. China is also actively exploring and innovating, and constantly promoting the development of DFI, so that it can improve the income of vulnerable groups such as farmers and improve their lives. Taking a Province as an example, this paper uses the panel data of 12 prefecture level cities and 2 autonomous states from 2011 to 2018, and constructs a multivariate linear regression model through an empirical analysis of the impact of digital Inclusive Finance on rural income level. The empirical results show that the development of digital inclusive finance greatly improves the income level of rural residents in Gansu Province.