The study conducts analytical research through cointegration test and granger causality based on data regarding urbanization and employment level from 1978 to 2012 in Shaanxi Province. To be specific, cointegration test reveals long-term equilibrium between the urbanization level and employment rate in Shaanxi, while one-way granger causality is found between them through test. Finally, through the establishment of the VAR model, impulse response analysis and variance analysis, the strength and path about how urbanization level and employment in Shaanxi Province affect each other is indicated.

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.