Rural microfinance is a very important financial tool in promoting the development of rural areas and increaseing farmers’ income.This paper investigates the rural microfincance mode in Pingnan county,Fujian province.The result shows that great achievements have made in pingnan county through establishing Association for Credit Construction and “3-3-1” rural finance service platform,with which the procedure of rural microfinance is greatly improved.This paper also summarizes the characteristics and experiences of rural microfinance in Pingnan mode,including principles of establishing rural microfinance,establishment of information data of “agriculture,countryside and farmers”,setting up Association for Credit Construction and improving rural financial environment,strenghening the guiding,organizing and serving functions of governments,supporting and encouraging the development of guarantees intermediary service and extending new types of guarantees,fully taking advantage of basic functions of market in allocating rural financial resources and unifying objectives,ensuring the service for “agriculture,countryside and farmers”.