Financial exclusion is a social problem. It will affect the economic and social development, causing Matthew Effect and regional financial desertification. There is a serious financial exclusion phenomenon in Chinese rural areas, such as few outlets of financial institutions network, harsh financing conditions, high interest rates and serious gap in marketing. All these problems’ genesis is low income of farmers and the lagging of economic development. Specifically, it can be accounted for the agricultural production risks, farmers’ lacking of financial knowledge. At present, the rural financial exclusion can be eased mainly by strengthening of government financial supervision, popularization of farmers’ financial knowledge, development of micro financing institutions and the coordinated development of the rural economy.