中文摘要：

二元经济结构下农户收入差距的扩大对经济平稳运行产生了重要冲击,对金融发展与农户收入差距的分析显示了二者间倒U型关系的存在,破除农户借贷资金的约束可以削弱收入差距的扩大趋势。利用2 100户农户2005～2009年的微观面板数据,构建了我国农户收入差距与信贷约束的面板门限回归模型,检验了农户信贷约束中的门槛效应,数据分析支持了门槛效应对农户收入差距的影响机制。农户借入资金的信贷约束及其门槛效应是农户收入差距不断扩大的一个诱因,因此,对农户金融资源配置的结构倾斜可以打破初始财富禀赋较低农户在信贷约束上的门槛效应,有利于改变农户收入差距的扩大趋势。

英文摘要：

Theory has been proved that dual economic structure may have important shock on households＇ income gap, and there are reversed U curve between financial development and income gap, broken the credit constraints can shrink the income gap a- mong Chinese households. Based on 2100 rural households from 2005 to 2009 micro panel data, this paper constructed the two stage threshold model between the financial assets configuration and the income gap, and deduced the mechanism between them. Data anal- ysis has confirmed the threshold of the financial asset allocation and the income difference among the rural households; this confirmed the important influence of the threshold effect between financial asset allocation and income gap. Therefore, to improve the financial asset allocation of rural household environment and structure may help to reduce the income gap between them.