China’s dual rural financial structure faces double restriction of endogenous and exogenous finance and their interaction, embodies balanced and imbalanced double credit ration and results in double deficiency of imbalanced supply and demand and effective supply. China should reduce the entry barrier for rural financial market, perfect the reform of rural formal financial agencies, gradually ease interest rate restriction to eliminate exogenous restriction, increase effective supply, lower endogenous restriction by combining endogenous and exogenous finance, meanwhile, promote rural development motion with endogenousness, and really release rural real effective credit demand so that the balance of total supply and demand of rural finance can be reached.