Abstract In recent years, Rural credit cooperatives farmers microcredit business successful operation not only into the development of the rural credit cooperatives realistic choice, and the majority of farmers into poverty fight. However, there are still many contradictions hindering rural credit cooperatives farmers microcredit business development and growth. This paper believes that a solution to these contradictions lies in the scientific exploration of the operating mechanism, Construction of a comprehensive system to protect and provide effective policy support. Keywords : micro-credit, rural credit cooperatives, risk, the guarantor