The empirical analysis of customer’s family income， family consumption， family net assets of microfinance reveals that the efficiency of microfinance of rural customers in improving customer welfare efficiency is higher than the other two types of customers。On the one hand， the efficiency of rural microfinance customers is relatively highOn the other hand， the rural microfinance customers get less amount， ultimately， the gap between rural customers and township customers， rural amphibious customers is still obvious. As a result， this paper suggests that small loans should be coordinated with the “precision poverty alleviation” policy and implement “precise loans”.