Abstract: In order to clearly examine the mode and developing phase, the authors took an comparative analysis of the development courses, credit orientations and scales of credit institutions serving for rural areas in Beijing. A conclusion was drawn that the macro system of rural credit (MSRC) in Beijing had been changed from coexistence of cooperative credit and commercial credit into a commercial system. Based on the proposition of rational and nonrational farmers, the interaction between credit system and the economic participants' behaviour, and the real economic activities, the authors made out a sketch map of the three dynamic phases of the MSRC. Finally, the steps and measures were put forward to as follows: examining the composition of rural credit demanders in Beijing, making certain the types and scale of rural credit demand, moderate increase of small cooperative credit institutions, enhancing the competitiveness of different credit institutions, quickening the construction of rural honesty system to promote rural credit system, and so on.