This paper makes a comprehensive measurement on the phenomenon of unbalanced development of finance in urban and rural areas from 1978 to 2012 from such three aspects as financial deposit loan, financial assets, and financial development level between urban and rural areas. And the Grey Prediction model is used to test and predict the level of financial development in urban and rural areas in the future. The result shows that, from the perspective of urban and rural financial development, the financial development in our country is still in a non-equilibrium state; in the climate in which policy has been left unchanged, the absolute difference of financial development between urban and rural areas will continue to expand, while the relative difference is gradually shrinking.