Based on the rural financial ecological environment evaluation criteria made by the China People’s Bank, this article designs measurement index system of the rural financial ecological environment and uses Tobit quantitative model to analyze the influencing degree of each index on the financial resources allocation efficiency. The analysis indicates that regional RMB loan accumulated recovery efficiency of China Agricultural Bank has obvious positive influence on rural resources allocation efficiency and other indexes have unclear impact on the financial resources allocation efficiency. Thus, the construction of China’s rural financial ecological environment is mainly influenced by rural credit environment, so strengthening rural credit environment construction is the focus to optimize financial ecological environment.