采用中国统计年鉴1978～2006年的统计数据,通过协整检验和格兰杰检验,对我国金融发展规模、城乡金融发展差异与城乡收入差距之间的关系进行实证研究。结果表明:金融发展规模会加剧城乡收入差距,同时城乡金融发展差异也会加剧城乡居民收入差距。金融发展对城乡收入差距的影响主要体现在我国金融发展的不均衡上,具体表现在不同行业之间以及城乡不同地区之间存在金融的可获得性差异和金融产出的效率差异。 Using the statistical data of China Statistical Yearbook from 1978 to 2006, the paper makes an empirical study on the relationship between the scale of financial development, the difference between urban and rural financial development and the income gap between urban and rural areas through the co-integration test and Granger test. The results show that: the scale of financial development will aggravate the income gap between urban and rural areas, while the differences between urban and rural financial development will exacerbate the income gap between urban and rural residents. The impact of financial development on the income gap between urban and rural areas is mainly reflected in the imbalance of financial development in our country, which is manifested in the differences in the availability of finance and in the efficiency of financial output between different industries and between different regions in urban and rural areas.