Theory and practice show that governmental support must exist in order to overcome the failure of rural financial market. In recent years, each level government of China has made successful reform exploration in the perspective of the establishment and perfection of rural financial risk compensation mechanism, perfecting policy-oriented agricultural insurance system, realization of organic joint of agricultural credit and insurance. In the future, China should pay attention to the existed different agricultural financial demands, construct different types of financial ecologies, standardize the development of local rural financial agencies, enlarge the supply of rural finance, trigger and satisfy rural financial demand, meanwhile, bring interactive coordination role between finance and credit capital into full play, and build and perfect rural credit system.