Abstract: Promoting financial development and improving financial services in rural areas has become one of the hot topics of Chinas rural development in recent years. New-type rural financial institutions have playing an increasingly important role in promoting the development of rural finance，and they have taking a crucial part in solving the problems such as the low level of agricultural modernization, lagging rural development and the farmers financing difficulties. However, the pace of new-type rural financial institutions development is slow. There are many issues to be resolved. This paper analyzes three subjects participating in the newtype rural financial institutions development：farmers, new-type rural financial institutions, regulators. This paper analyzes their problems and restricts for the development of new-type rural financial institutions, and focuses on the relevant countermeasures.