This paper has analyzed the mechanism from urban-rural finance development non-equalization to urban-rural economic growth gap, from the points of the gap of urban-rural trade cost, urban-rural savings and investment and urban-rural allocation of financial resources, and the empirical study has been done between them, using the dynamic panel data model of 28 provincial units in China from 1992 to 2010. The results are that urban-rural financial structure, scale and efficiency are positive to urban-rural economic growth gap, controlled the urban-rural investment in fixed assets, the level of the urban-rural market and urban-rural FDI. And then, some suggestions are submitted.