The urban-rural income gap expanded increasingly throughout the country has become a major contradiction that it is needed to face during the targeted poverty alleviation, stabilizing economic development and building a harmonious community, and it has been in an urgent need to develop inclusive finance, reduce financial threshold and transaction costs, loosen credit restriction in poor regions and shorten the income gap in order for a high-quality economic progress. Based on analyzing relations between inclusive finance and income gap, the article has made it clear that the inclusive finance can work well to inhibit the income gap, varying with regions as weak in the east region, followed by the middle, and strong in the west. It is concluded that to greatly promote the inclusive finance, create an inclusive finance development environment in poor areas, loosen the credit restriction over farmers and increase the income of the poor will be playing a far and deep role in improving the existing income gas in the country.

Family liabilities can smooth income, promote consumption and improve residents' subjective well-being, but it may also bring corresponding economic pressure to reduce the level of welfare. Based on the tracking survey data of Peking University from 2010 to 2016, this paper uses Ordered Logistic model to investigate the influence of family housing loans and other loans on residents' subjective well-being from an empirical point of view. The results of the study found that there is a significant positive and negative correlation between the housing loan from 2010 to 2016 and the subjective well-being of the residents, and the housing loans in the family's liabilities by 2014 have the "wealth effect" of realizing the residents' consumption, improving the utility of consumption and the housing itself, the subjective well-being of the residents is significantly improved, and the increase of the house prices after 2014, the increase of the repayment pressure of the residents, the crowding-out effect on other aspects of consumption, which leads to the decline of the subjective well-being of the residents; and, The daily family and friends of the residents and the folk lending have a certain inhibition effect on the subjective well-being of the residents.