Rural microfinance provides financial support for rural economic development, but the management and operaion of rural microfinance are not standard, seriously affecting the efficiency of rural microfinance. China's rural micro credit has a long way to go, especiaaly compared with the control model of Yunus, from the efficiency of government regulation, from the efficiency of agricultural support microfinance institutions, or from farmers' efficiency of capital. The rural microfinance efficiency is lower, therefore, we should apply regulatory pattern conforming to the microfinance in rural areas, to create a standardized enterprise operational mechanism, the establishment of an effective credit rating system of farmers, in order to improve the efficiency of rural microfinance.