Abstract: Financial development exerts its impact on urban-rural income disparity through three major effects, that is, the threshold effect, poverty reduction effect and dise-quilibrium effect.

• 摘 要: 金融发展影响城乡收入差距主要通过三条途径，即金融发展的门槛效应、金融发展的降低贫困效应、金融发展的非均衡效应。