本文将基于城乡居民二元化异质体的天然划分,建立城乡二元化主体收入差异的信贷需求差异机制与理论模型,并通过模型分析信贷需求差异对收入差异造成的冲击,解析均衡条件下城乡居民二元主体的收入差异问题,从微观主体视角与内生机制解析我国“劳动—收入”的实现过程,并立足于宏观政策高度审视“劳动—收入”内生机制的结构性变动对贫困性问题、城乡金融二元化问题的主体路径进行了论证。 Based on the natural division of urban and rural residents’ dual heterogeneity, this paper establishes the credit demand difference mechanism and theoretical model of urban-rural dual income difference and analyzes the impact of credit demand difference on income difference through analyzing the equilibrium conditions Income Differences between Urban and Rural Residents as Binary Subjects, Analyzing the Realization Process of China’s “Labor-Income” from the Perspective of Micro Subjects and Endogenous Mechanisms and Examining the Structure of “Labor-Income” Endogenous Mechanisms from a Macro-Policy Perspective Sexual changes on the issue of poverty, urban and rural financial dualism problem of the main path are demonstrated.