中文摘要：

基于市场竞争、金融排斥与城乡收入差距三者之间作用机制,利用1999—2009年间30个省份的面板数据,考察中国城乡收入差距的形成原因。结果显示：从全国样本层面来看,市场竞争确实使得资本要素向城市集聚,导致农户存款不能就地转化为农户贷款,产生了农村地区的金融排斥,进而导致城乡收入差距。从分组地区样本层面来看,东部地区由于城乡一体化程度较高,这一作用机制不显著;而中西部地区由于城乡一体化程度较低,市场竞争更容易导致农村金融排斥,进而导致城乡收入差距。

英文摘要：

Based on the mechanism of market competition,financial exclusion and urban- rural income gap,using the panel data of 1999- 2009 in 30 provinces,this paper analyzes the reasons of the formation of China＇s urban- rural income gap. Taking the sample as a whole,market competition makes capital factor agglomerate from rural areas to urban areas,which makes peasant households＇ deposits can not convert into their loans,brings about financial exclusion in rural areas,and then leads to the income gap between urban and rural areas. Taking the sample as a sub,the regression result of the eastern region is not significant due to the high degree of urban- rural integration in the east,while the regression results of central and western regions are significant.