中文摘要：

金融发展与收入分配的关系引起人们越来越多的关注,本文以金融发展的程度及其发展的空间集聚性为视角,研究金融发展对城乡收入分配的作用。根据金融发展与收入分配的＂倒U＂理论和＂负相关＂理论,提出金融发展对城乡收入分配的作用存在地区异质性假说,根据金融发展的集聚性特征提出金融发展对城乡收入分配的作用存在地区空间相关性假说。采用2000-2012年中国31个省区的金融发展与城乡收入分配数据,分别运用普通面板模型和空间面板模型对假说进行验证。研究结果表明：金融发展对城乡收入分配的作用确实存在地区异质性和空间相关性;从全国整体看,当前金融发展对城乡收入分配差距正在起缩小作用。

英文摘要：

The relationship between financial development and income distribution has caused growing concerns. In this paper, we study the role of financial development on the urban--rural in- come distribution with the perspective of financial development degree and spatial agglomeration, We propose the hypothesis that there are regional heterogeneity effects of financial development on the urban--rural income distribution according to the ＂Inverted U＂ and ＂Negative Correlation＂ the- ory of financial development and income distribution and the hypothesis that there are spatial region- al correlation effects of financial development on the urban-rural income distribution according to the gathering characteristics of financial development. We do empirical analyses about the effects of Chinese financial development on the urban--rural income distribution based on provincial panel da- ta from 2000 to 2012. Using ordinary panel model and spatial panel model to validate the hypothe- ses. The regression results show that the regional heterogeneity effects and spatial regional correla- tion effects are truly existed; and now the financial development is playing the role in narrowing the gap of urban-rural income distribution from the nationally over look.