中文摘要：

金融发展与城乡差距之间有着内在的联系,本文主要基于中国1996~2012年31个省、直辖市、自治区的省级面板数据,采用动态面板模型SYS-GMM对政府城市偏向制度下的金融发展与城乡收入差距关系进行实证分析。研究发现,在城市偏向制度下,金融发展扩大加剧了城乡收入差距,而金融发展效率缩小城乡差距。但是在区域之间存在差异,对于中、西部地区,金融发展规模遏制城乡差距的扩大,而金融发展效率却扩大了城乡差距。对于城市偏向制度,政府对经济活动的干预、科教文卫事业支出、公共服务支出以及农业支出均是城乡差距进一步扩大的重要因素。

英文摘要：

With the intrinsic relationship between financial development and urban-rural gap, this paper adopts the dynamic panel model SYS - GMM to analyse the relationship between financial development and urban-rural in- come gap under city bias system of government, based on China＇ s 31 provinces and municipalities＇ panel data in 1996-2012. The study finds that under the system of urban and rural bias financial development scale expands exacer- bate the income gap between urban and rural areas, and narrows the gap between urban and rural financial develop- ment efficiency. But there are differences between regions, for the medium and the western region, the scale of finan- cial development to curb the expanding gap between the urban and rural areas, and the financial development increas- es the gap between urban and rural areas effectively. For city bias system, the government＇ s intervention on economic activity, science-education-culture-health expenditure, public services and agricultural expenditure are important factors of the expanding gap between the urban and rural areas.