Employing data of rural finance in Shandong province from 1980 to 2011,this paper analyses the rela-tionship between rural financial development and urban -rural residents income gap with VAR model .The results show that both the scale and the efficiency of the development of rural finance have a positive correlation with the income gap between urban and rural residents .Therefore ,it is the key to improve the rural financial service system , modernize agriculture and solve the lives of farmers to narrow urban-rural residents'income gap.%本文基于山东省1980-2011年农村金融数据，运用VAR模型研究农村金融发展水平与城乡居民收入差距的关系。研究结果表明：无论是农村金融发展规模还是农村金融发展效率，都与城乡居民收入差距呈正相关关系。因此完善农村金融服务体系，实现农业现代化和解决农民生活保障才是缩小城乡居民收入差距的关键。
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