关键词: 农村金融排斥 , 城乡收入差距 , 回归方程分解分析

Abstract: Based on the 2006—2011 National Provincial Panel Data, We make both theoretical and empirical analyses on the channel through which unfair allocation of financial resources leads to unfair distribution of income. We find that financial exclusion influence the urbanrural income gap significantly through GMM model estimating; Among that, Condition exclusion, geography and marketing exclusion significantly expand urbanrural income gap; while price exclusion could narrow the urbanrural income gap to a certain extent. The regression analysis shows that each degree of interpretation reached 1075%, 100% and 1435%, the total interpretation of financial exclusion reaches 261%. In addition, a higher proportion of nonagricultural employment and the effective progress of urbanization have varying degrees of impact on urbanrural income gap. Therefore,“efficiently”and“fairly” allocation of financial resources and try to improve farmers family accumulation of fixed assets for production and increasing the width of rural financial services is of great significance for narrowing the urbanrural income gap.

Key words: rural financial exclusion , urbanrural income gap , regression equation decomposition analysis