The development of informal finance can not be neglected in the comprehensive reform of finance of Wenzhou. From a microcosmic angle, this paper takes 250 rural households in Ruian as a survey sample to investigate the basic condition of rural informal finance of Wenzhou. The results show that the rural informal finance of Wenzhou has many participants and their participation willing is strong, that the individual difference between the participants is not significant, that production and business have become the important aim for the rural informal finance and that the risk prevention consciousness of the participants is not strong and prevention measures are not sufficient. The government should actively guide the development of the informal finance by following the idea “from core to surrounding”, clearly define the legal boundary of the informal finance, actively standardize and guide the borrow/lend method of the rural informal finance, cultivate credit culture, actively set up information-sharing platform of all kinds of the informal finance, try to decrease the information asymmetry between each participant, and meanwhile, sufficiently emphasize and boost coordinative development between the informal finance and formal finance as well as macro-economy. 