Abstract：
The dual economic structure had obstructed market mechanism for a long time, which leaded to urban-rural financial discrepancies in the aspects of economic development, loan-to-deposit scale, total assets and organizational structure, etc. in Henan Provence. The various financial system operating characteristics between urban and rural areas resulted to different incentives in mechanisms and channels. This study analyzed the spatial disparity of urban and rural areas in Henan Province by Empirical analysis concepts. The data was collected from 1980 to 2013, and analyzed with fuzzy curve method. The conclusion is that urban-rural financial discrepancies was significantly affected by income level, education, and technical level, but was not sensitive to the employment status and age structure. Therefore, coordinating the development of urban-rural finance, improving rural income level, strengthening environment construction of financial ecological and building integration financial system were the critical factors to urban-rural financial discrepancies in Henan Province.
PAN Li.Analysis on Financial Discrepancies of Henan Urban-Rural Based on the Dual Structure——The statistical data is collected from1980 to 2013[J] Economic Survey, 2016,V33(2): 144-149
2016 
