本文依据1985-2009年的时间序列数据,利用协整检验及Granger因果检验等计量分析工具,探讨了金融发展与城镇居民消费行为之间的关系。研究结果表明:在长期,金融发展和城镇居民消费支出之间存在稳定的关系,但金融发展对城镇居民不同类型消费支出的促进效果存在差异性;在短期,金融发展对城镇居民的“必需品”消费支出没有影响,对城镇居民的“非必需品”消费支出具有促进作用。 Based on the time series data from 1985 to 2009, this paper uses the measurement analysis tools such as cointegration test and Granger causality test to explore the relationship between financial development and urban residents’ consumption behavior. The results show that: in the long run, there is a stable relationship between financial development and urban residents ’consumption expenditure, but the effect of financial development on the promotion of different types of urban residents’ consumption expenditure is different; in the short run, “Consumption expenditure has no impact on the urban residents ” non-necessities "consumer spending has contributed.