选取城乡收入差距低于全国平均水平的吉林省为研究对象,对吉林省城乡金融非均衡影响城乡收入差距的机制进行实证分析。结果表明:吉林省城乡金融规模和转化效率非均衡均与城乡收入差距具有正向长期均衡关系;城乡金融规模差异与城乡收入差距的长期关系更为稳定。吉林省城乡收入差距低于全国水平的主要原因在于:一方面,吉林省城乡金融规模差距较小;另一方面,近年来吉林省农村金融转化效率的提升显著地促进了农村收入的增长,而城镇金融转化效率对城镇人均收入影响不显著。上述结论意味着,发展农村金融、缩小城乡金融非均衡程度对缩小吉林省城乡收入差距具有重要意义,提高农村金融转化效率、降低农村资金外溢程度尤为重要。 Taking Jilin Province, whose income gap between urban and rural areas is lower than the national average, as the research object, this paper conducts an empirical analysis on the mechanism of unbalanced urban-rural income gap in Jilin Province. The results show that both urban-rural financial scale and inequality inequality in Jilin Province have positive long-term equilibrium relationship with urban-rural income disparity. The long-term relationship between urban-rural financial scale difference and urban-rural income disparity is more stable. The main reason why the income gap between urban and rural areas in Jilin Province is lower than the national level lies in the following reasons: on the one hand, the gap between urban and rural areas in Jilin Province is small; on the other hand, the improvement of rural financial transformation efficiency in Jilin Province has significantly contributed to the growth of rural income in recent years The effect of urban financial transformation on urban per capita income is not significant. The above conclusion means that developing rural finance and reducing the degree of urban-rural financial imbalances are of great significance to narrowing the income gap between urban and rural areas in Jilin Province. It is particularly important to improve the efficiency of rural financial transformations and reduce the level of rural financial outflows.