The rural financial system development and perfection of socialist new rural construction is the important content of the rural financial system,in order to better serve the rural economy development and the construction of socialist new countryside needs,we should establish a diversified,moderate competition and sustainable rural financial system.This paper expounds the development of rural financial system of rural economic development,analyzes the current situation of rural financial system,Secondly analyzed and summarized from the different aspects in the rural financial system problems,Finally the perfect rural financial system,puts forward the corresponding countermeasure and the suggestion,namely,by reforming the rural credit cooperatives,Constructing multi-level and diversified,mutual complement,competition and cooperation of rural financial institution system,The current financial policy gradually correction "farming" tendencies,Build system of rural credit funds of the backflow,rural capital outflows,Establish effective regulatory framework.