数字金融使用广度和深度对农户内部收人不平等的影响

——基于黄河流域中上游地区的微观证据

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中图分类号：F323.8；F832；F49 文献标识码：A 文章编号：1007-5097（2026）01-0095-12

Abstract：Alleviating income inequalityisacriticalpathwaytoachievingcommonprosperity.Thearticleis basedonmicro datafrom the upper and middle reaches of theYelow River Basin in2O23，and uses models such as Conditional Mixed Process（MP）to explore the impactofdigitalfinanceusageonincome inequalityamong farmers.Research hasfound thatthe breadthanddepth of digitalfinance usage significantlyalleviate income inequalityamong farmers，and the aleviatio ffect of depthofusageisstronger.Overall，thereisnosignificant"appicationgap"indigitalfinance，buttherearesignificant thresholdefects inbothbreadthanddepthofusage.Digitalskilssignificantlyenhancetheinhibitoryefectofthebreadth and depth of digital financeusageonincome inequalityamong farmers.The breadth anddepth ofdigitalfinanceusage allviateincome inequalityamong farmers through threepathways：enhancing theirability toobtainandutilizedigital information，self-development，andsocialnetworks.Thisalleviationefectincreaseswiththeimprovementoffarmers' educationlevel，andtheallviation effectofdepthofusage is moresignificant among poverty-alleviated households.

ey words： digital finance;breadthof usage; depth of usage;digital skills; moderating effect; income inequality

一、引言及文献综述

党的二十大报告提出要着力促进全体人民共同富裕，坚决防止两极分化。（剩余17286字）