Collective action difficulty heads off the development of China’s rural credit cooperative, the governance plan for collective action difficulty of rural credit cooperative includes small collective plan, encouraging incentive plan, punishment restriction plan, social capital compeling plan and so on, however, these plans have governance difficulty. It is more feasible for using small collective plan supported by social capital compelling plan to overcome the collective action difficulty of rural credit cooperative but the problems such as the shortage of capital will emerge. Thus, China should control the scale of rural credit cooperative members and meanwhile establish the corresponding coordinated mechanism such as the perfection of entrance regulations, the restructure of associated agencies of rural credit cooperative, the establishment of financing mechanism and so on.