中文摘要：

本文使用来自我国2006-2009年1578个县（市）的面板数据，以金融排除指数作为衡量指标，从全国和东、中、西两个层面对我国农村金融排除与城乡收入差距的关系进行了经验分析。研究结果表明：从全国层面看，农村金融排除的上升扩大了城乡收入差距，而非农产业比例高的县（市），农村金融排除的上升会抑制城乡收入差距的扩大；从区域层面看，东、西部地区农村金融排除的上升扩大了城乡收入差距，中部地区不显著。本文的结论和政策建议对我国的农村金融改革及构建普惠性农村金融体系具有重要的启示意义。

英文摘要：

Based on the panel data from 1578 counties （cities） during the 2006-2009, this article uses the index of financial exclusion as a measure, to empirically analyze the relationship between rural financial exclusion and urban-rural income gap from the two aspects of the whole nation and the eastern, central and western. The results show that, from the perspective of the whole nation,the expansion of rural financial exclusion increased the urban-rural income gap,and in the county （city） with a high proportion of non-agricultural industries, its rural financial exclusion inhibits the rise of rural-urban income disparities. From the perspective of different regions, rural financial exclusion in the eastern and western regions will expand the urban and rural income gap. Rural financial exclusion in the central region was not significant. The conclusions and policy recommenda- tions has imoortant imolieations for China＇s rural financial reform and building the inclusive rural financial system.