金融发展的深化程度是影响城乡收入差距的重要因素之一。采用面板门槛回归模型研究1998－2014年福建省的金融深化对城乡收入差距作用的门槛特征。结果说明，福建金融深化对城乡收入差距存在“双门槛效应”。在金融深化前期，福建金融深化对城乡收入差距有一定缩小作用；随着金融深化程度的加强，这种缩小作用逐步减弱，中间经历一段较为均衡的阶段；而当金融深化进入后期阶段时，福建金融深化对收入差距的扩大作用明显。%The deepening degree of financial development is one of the important factors affecting the urban-rural income gap. Panel threshold regression model are applied to analyze the threshold characteristics of the role of financial deepening to urban-rural income gap in Fujian from 1998 to 2014. The result reveals that financial deepening did some affects on urban-rural income gap, which named "double threshold effects". In the early stage of the financial deepening, financial deepening shows that it helps to narrow ur-ban-rural income gap to some extents. However, with the strengthening of financial deepening, it plays fewer roles on narrowing ur-ban-rural income gap and maintains equilibrium for a period. While the financial deepening is in the mature stage, it expands the ur-ban-rural income gap obviously, and predicts this gap will continue expanding.
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