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我国党的二十大报告提出要坚持多劳多得，鼓励勤劳致富，促进机会公平，增加低收入者收入，扩大中等收入群体。当前阶段，我国脱贫攻坚取得全面胜利，且经过四十多年改革开放，我国已跃然成为全球第二大经济体，金融发展水平有了巨大提升。但目前仍存在发展不平衡、不充分的问题，城乡居民收入差距与发达国家相比存在较大差距。金融资源分配不均衡导致城镇居民相较于农村居民能获得更高的收入，从而导致城乡收入差距扩大。

金融发展可以有效的提高居民收入水平，但我国社会信用体制还不完善，导致社会资金分配并不均衡，过高的收入差距将影响居民对美好生活的向往。因此探究金融发展和居民收入之间的影响关系，可以帮助市场从宏观层面改善城乡居民收入，也能够更好的帮助完善金融市场。故本文研究内容如下：

首先，将金融发展分为正规金融发展和非正规金融发展；其次，使用分位数回归和均值回归，借助我国31个省市的面板数据分别探究正规金融发展、非正规金融发展对城镇居民收入、农村居民收入和城乡收入差距影响的差异性；进而，结合分位数回归系数图，探究正规金融发展和非正规金融发展对城乡居民收入产生差异性影响的经济原因；最后，通过实证分析结果得出研究结论，并结合我国现有国情给出相关建议。

研究结论为：第一，正规金融发展对城镇和农村居民收入均有显著的促进作用，但对城镇居民收入的促进作用要强于对农村居民收入的促进作用，并因此造成城乡居民收入差距的显著扩大；第二，非正规金融发展对农村居民收入具有显著促进作用，对城镇居民收入并无显著的促进作用，并因此缩小了城乡居民之间的收入差距；第三，固定投资、劳动力、财政支出、城镇化水平、产业结构和经济发展水平这六个变量对城乡居民收入产生了不同的影响。

综上所述，为缩小城乡居民收入差距，要加快金融市场的改革，改善和解决金融发展过程中对城乡居民收入的分配不均和差异化对待等问题，尽力保证城乡居民公平合理的享受到金融机构提供的待遇和服务，努力实现居民收入和我国的经济增长相同步。

The report of the 20th National Congress of the Communist Party of my country proposes to insist on more pay for more work, encourage hard work to get rich, promote fair opportunities, increase the income of low-income earners, and expand the middle-income group. At the current stage, my country has achieved a comprehensive victory in the fight against poverty, and after more than 40 years of reform and opening up, my country has become the world's second-largest economy, and the level of financial development has been greatly improved. However, there are still problems of unbalanced and insufficient development, and the income gap between urban and rural residents is relatively large compared with developed countries. The unbalanced distribution of financial resources leads to higher incomes for urban residents compared with rural residents, which leads to the widening income gap between urban and rural areas.

Financial development can effectively increase the income level of residents, but my country's social credit system is not yet perfect, resulting in uneven distribution of social funds, and an excessively high-income gap will affect residents' yearning for a better life. Therefore, exploring the relationship between financial development and residents' income can help the market improve the income of urban and rural residents at the macro level, and can also better help improve the financial market. Therefore, the research content of this paper is as follows:

Firstly, financial development is divided into formal financial development and informal financial development; secondly, quantile regression and mean regression are used to explore the impact of formal financial development and informal financial development on the income of urban residents with the help of panel data from 31 provinces and cities in my country. , the difference in the impact of rural residents' income and the income gap between urban and rural areas; then, combined with the quantile regression coefficient map, explore the economic reasons behind the differential impact of formal financial development and informal financial development on urban and rural residents' income; finally, through empirical analysis, The research conclusions were drawn, and relevant suggestions were given in combination with my country's current national conditions.

The research conclusions are as follows: First, the development of formal finance has a significant promotion effect on the income of both urban and rural residents, but the promotion effect on the income of urban residents is stronger than that on the income of rural residents and thus causes a significant income gap between urban and rural residents. Second, the development of informal finance has a significant effect on promoting the income of rural residents, but not on the income of urban residents, thus narrowing the income gap between urban and rural residents; third, fixed investment, labor force, and financial The six variables of expenditure, urbanization level, industrial structure, and economic development level have different impacts on the income of urban and rural residents.

To sum up, to narrow the income gap between urban and rural residents, it is necessary to speed up the reform of the financial market, improve and solve the problems of uneven distribution and differentiated treatment of urban and rural residents’ income in the process of financial development, and try our best to ensure that urban and rural residents enjoy fair and reasonable To the benefits and services provided by financial institutions, and strive to achieve the synchronization of residents' income and my country's economic growth.