中文摘要：

单纯从经济理论的角度不足以全面解释金融发展与实体产业相脱离的结构性难题，只有将金融发展嵌入在社会分工网络中，才能透析出虚拟经济与实体经济的内在联系。从社会分工与国家范式衡量金融发展的水平应该有两个维度：一是通过金融体系与实体经济公平有效的分工合作来促进社会的有机团结；二是通过金融社团与其他社会团体的交流合作，促进从“边缘”到“中心”的国家战略的实现，避免中等收入陷阱，实现经济的转型升级。

英文摘要：

The perspective of economic theory alone is not sufficient to fully explain the structural problem related to the inconsistency between financial development and real economy. Only when financial development is embedded in the network of the social devision of labor can we perceive the intrinsic link between virtual economy and real economy. There are two dimensions when the perspective of social devision of labor and the national paradigm are to be used to evaluate the level of financial development. First, the financial system and the real economy should have fair and effective division of labor in order to promote the organic unity of the society. Second, the financial community should exchange and cooperate with other social groups in order to fulfill the national strategy to move financial industry from the marginal to the center, avoid the middle income trap, and realize the upgrade and transformation of economy.