In order to analyze Chinese rural economy and farming economy, analyses on the function of rural finance and its problem are inevitable. According to recent economic growth, demands for funds for farm houses, rural enterprises, farmers' corporations (which correspond to some kind of agricultural corporative recently developed in rural area) and so on. Existing financial systems cannot meet the expectation for these increasing demands for funds, so that non official financial agencies are playing an important role for them. Whereas, these non-official financial agencies have caused a lot of problems such as non-performing loans, chaotic managements and so on. Consequently, normalization of their organization is considered to be necessary.