中文摘要：

本文通过把我国经济发展划分为前工业化、工业化和后工业化三个时期,进而在每个时期背景下,结合当时的生产力条件和政策方针,研究经济和二元金融的发展演化状况。通过分析发现：我国二元经济结构的形成是由经济发展内生驱动、外部制度冲击以及国家战略政策推动共同促成的;而我国城乡二元金融结构则是二元经济结构的必然产物。由此,本文提出了统筹城乡经济和金融协调发展的建议。

英文摘要：

By dividing China＇s economic development into three periods of pre-indus- trialization, industrialization and post-industrialization, this article studies the evolution of China＇s economy and ＂dual finance in terms of the productivity conditions and the policies of each period. The result is that the formation of China＇s dual economic structure is at- tributed to the composite forces of inner drive of economic development, the impact of ex- ternal system, and the push of nation＇s strategic policy, while China＇s urban and rural fi- nancial structures are the inevitable outcome of its dual economic structure. Hence it is necessary to coordinate urban and rural economy, and have a coordinated financial devel- opment.