中文摘要：

运用2004-2013年中国省际面板数据对金融发展水平与农村地区贫困的关系问题进行实证分析。研究结论表明,地区金融发展水平的提升能够通过金融机构农村信贷资金投放这一渠道对农村经济发展具有显著的正向效应,主要体现在较高金融发展水平的形成对农村居民人均收入水平的拉动而有助于农村贫困减缓。但是从东部、中部、西部三大区域的实证结果来看,中部和西部地区金融发展水平的提升能够对其农村地区贫困减缓具有一定的积极作用,东部地区金融发展并不能减缓农村贫困,从而使得中国金融发展效应较大的地区差异在政策上具有较强的现实意义。

英文摘要：

This paper uses Chinese provincial panel data from 2004 to 2013 to carry the empirical analysis on the relationship between the level of financial development and rural poverty problem. Research conclusions show that the level of regional financial development promotes rural credit funds through financial institutions, which has significant positive effect to .rural economic development. It mainly reflects that high financial development level slows down the rural poverty. From the empirical results of three areas the central and western regions＇ rural financial development level helps to its poor slowdown, but the eastern region＇s financial development doesn＇t reduce rural poverty, thus our country finance development effect larger regional differences on policy is with strong practical significance.