Digital Twin Technology for Sustainable Urban–Rural Economic Governance:Financial Innovation, Resource Optimization, and Coordinated Development

Abstract

This study investigates the application of digital twin technology in driving the reform of urban–rural economic systems, with a particular focus on the pivotal role of financial elements. It examines how digital twin–enabled tools can facilitate rural financial innovation—such as precise credit allocation, inclusive finance, and dynamic risk assessment—and optimize capital flows between urban and rural areas, thereby enhancing the efficiency of resource matching and breaking down circulation barriers. By constructing high-fidelity, dynamically evolving virtual representations of urban–rural economic operations, digital twins offer a transformative platform for precision financial services and significant improvements in capital allocation efficiency. The findings suggest that leveraging digital twin technology for financial innovation and optimization constitutes a critical enabler for advancing urban–rural integration and promoting the modernization of economic systems. This research provides practical insights into how technology-driven financial development can serve as a core engine for systemic reform and coordinated regional development.