自2008金融危機發生，人們對於金融發展所帶來之利弊有所疑慮，金融發展之利益似乎未被公平分配。本文藉由實證模型探討金融發展與所得不均間之關聯，並預測較高程度的金融發展將導致所得不均之情況更加嚴重。本文運用OLS之模型分析在2009~2017年期間，全球145個國家之縱橫資料，以私人信貸占GDP之比例衡量金融發展之程度，檢驗金融發展對所得不均的影響是否為正向線性之關係，以及此關係在已開發國家與開發中國家之影響是否不同。實證結果顯示，全球145個國家中，金融發展與所得不均之間呈現線性關係。金融發展程度越高，收入分配出現越不平等的現象，即兩者間為正向關係。並發現金融發展對所得不均的影響在開發中國家較為顯著。

Since the financial crisis of 2008, people have doubted about the benefits and drawbacks of financial development. The benefits of financial development seem to be unfairly distributed. This paper attempts to explore the relationship between financial development and income inequality and to predict that a higher developed financial system increase income inequality. This paper uses the OLS method to analyze the panel data of 145 countries during 2009 to 2017. The empirical results present that there is a linear relationship between financial development and income inequality. It represents that the higher development the financial system is, the more unequal the income distribution would be, which is a positive relationship. Additionally, there is a finding that the influence of financial development is not identical to developed and developing countries. Financial development is more significantly positively related to income inequality in developing countries.

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