Abstract: Digital inclusive finance， as an important component of the digital economy， is a key driver of digital new quality productive forces. This paper， based on the 11 urban rural integrated development pilot areas of China， constructs an indicator system to explore the interactive mechanism between the digital inclusive finance and the development of urban rural integration. The result shows that the average value of the digital inclusive finance index in the pilot areas exhibits a steady upward trend in time series evolution， while the urban rural integration development index follows a “fluctuation decline rebound” pattern; the relationship between digital inclusive finance and urbanrural integration development has undergone an evolutionary process from basic coordination to moderate coordination. It is suggested that leveraging the advantages of digital inclusive finance to promote the high-quality coordinated development of the two.

Key words: new quality productive forces, digital inclusive finance, urban-rural integration

摘要： 数字普惠金融作为数字经济的重要构成，是数字新质生产力的重要抓手。基于我国11个城乡融合发展试验区的实践构建指标体系，探讨发展新质生产力背景下，数字普惠金融与城乡融合发展的互动机制，分析发现试验区数字普惠金融指数均值呈现稳步上升的时序演化特征，城乡融合发展指数呈现“波动—下降—回升”的时序演化特征，数字普惠金融与城乡融合发展系统经历从基本协调到中度协调的演化过程。建议发挥数字普惠金融新质生产力优势，推动二者高质量协调发展。

关键词: 新质生产力, 数字普惠金融, 城乡融合