中文摘要：

基于二元经济结构框架,本文利用县域面板数据构建了我国城乡居民收入差距与金融资源配置的动态面板,分析了二元结构下城乡金融资源差异对居民收入差距的影响,指出城乡居民收入差距与金融资源配置呈现出不断扩大的趋势,城乡金融资源配置的差异成为我国城乡居民收入差距不断扩大的一个诱因。因此,缩小城乡居民收入差距需要打破二元结构的制度壁垒,增加对农村地区的金融倾斜政策。

英文摘要：

Based on the dual economic structure,this paper constructed a dynamic panel data of the income gap between urban and rural areas and the financial resource allocation,analyzed influence of urban and rural financial resource difference on residents′ income difference under two dual structure,pointing out expanding trend of the income gap with financial resource.The difference proved that the gap of the financial resource had played an important role in expanding gap between urban and rural citizens.So,in order to reduce the gap between urban and rural areas,it′s important for the government to break the system barriers between urban and rura areas,and tilt the financial policy to rural regions.