中文摘要：

我国城乡居民收入差距不仅较大，近年来呈现持续上升趋势。我国“城乡”二元经济模式所带来的负面效应也逐渐浮现。其中最受关注的莫过于城乡居民收入差距进一步扩大的现实。所以，缩小差距已成为我国政府不可回避的责任。从我国农村金融体系发展中存在的问题入手研究，对城乡收入差距进行深层次分析，讨论我国现阶段农村金融体系发展存在门槛高、效益低和资金外流等问题。分析近30年的统计数据，建立农村金融体系与城乡收入差距问的负向关联，并分析金融体系建设对收入差距扩大存在排斥效应、门槛效应和非均衡效应的作用机理，从政府和金融机构两个层面提出改善建议。

英文摘要：

The income gap between urban and rural areas in China is not only great, but also has a increase trend. The negative effects of China＇s ＂urban and rural＂ economic model begin to call our concerns. One of the most concern is the reality that the income gap between urban and rural residents expands further.As a result, it has already become an unavoidable responsibility for the Chinese government to narrow this gap. Starting from the existing problems in the rural financial system, this paper aims at analyzing the deep reasons for the income gap between the urban and rural areas and putting forward some constructive suggestions. First of all, this paper discussed some questions existing during the development of rural financial system, such as high hurdles, low efficiency and drain of capital. Secondly, statistics of recent thirty years will be concluded in order to build the negative incidence between the rural financial system and the urban-rural income gap. Then, the mechanism of action of financial system on the repelling effect on the widening income gap, the hurdle effects and unbalance effects would be analyzed. At last, this paper would offer the improvement suggestions from the two aspects of government and financial institutions.