中文摘要：

城乡居民家庭的收入不平等已成为我国二元经济发展中的重要特征事实之一,探索居民家庭金融资产配置与收入差距的动态作用机制对调整金融资源配置的非均衡性、缩减居民家庭收入差距具有重要的理论和现实意义。文章基于1997-2010年28个省份城乡居民家庭的面板数据,构建了我国城乡居民家庭收入与金融资产配置的两部门模型及其状态空间系统的回归。在Lewis（1954）、Galbis（1977）的基础上,文章对我国城乡居民家庭两部门模型的分析,从数理上证明了两部门中城乡居民家庭金融资产配置差异对其收入差距的动态影响机制,对状态空间系统的回归结果及状态变量的时间路径显示,两部门模型中城乡居民家庭金融资产配置对居民收入差距的动态影响确实呈现倒U形动态机制,这表明从长期看城乡居民家庭金融资产配置的改善确实会缩小收入差距。因此,优化居民家庭金融资产配置的环境及结构有助于削减收入差距,这对探索金融资产配置缩减收入差距的政策路径具有重要意义。

英文摘要：

Household income inequality has become one of the important stylized facts in the dual economic development in China,and to explore the dynamic influence mechanism between household financial assets allocation and the income gap is of important theoretical and realistic significance to the adjustment to the imbalance of financial resources allocation and the reduction in the household income gap.Based on the panel data of urban-rural households in 28 provinces from 1997 to 2010,this paper constructs a two-sector model between urban-rural household income and financial assets allocation and conducts the regression of its state-space system.Based on the research by Lewis（1954）and Galbis（1977）,this paper proves mathematically the dynamic effect of differences in urban-rural household financial assets allocation on urban-rural income gap through the two-sector model of urban-rural households.The regression results of state-space system and time routes of state variables indicate that the dynamic effect of urban-rural household financial assets allocation on urban-rural income gap in the two-sector model is featured by an inverted U-shape dynamic mechanism,showing that in the long run,the improvement of urbanrural household financial assets allocation leads to the reduction in the income gap in deed.Therefore,to optimize the environment and structure of household financial assets allocation helps to reduce the urban-rural income gap,which provides important significance for the exploration of the policy path of the role of financial assets allocation in the reduction in the income gap.