Abstract: As a new rural financial institutions business, the rural bank is helpful in rural financing and filling the vacancy of Chinese rural finance. But there is also some hurdles in the development of rural bank. On the base of present state of Chinese rural financial and three rural banks in Jilin province, the paper had analyzed the impediment as shortage of finance resources, small-scale, promoters hard to find, poor rural financial environment, high risk etc. In the meantime, put forward series of development countermeasure.