Under the background of the marketization of agricultural products, the lack of farmers’ risk analysis mechanism has resulted in a structural imbalance between the supply and demand of funds in rural areas. The increase of the rural economy is significant to social development and stability. Then the article uses the ordered Probit model to carry out statistical regression analysis on the rural economic samples. The study found that the lack of supply institutions, the incompatibility of loan supply and demand, and the single type of insurance caused the development of the rural economy to be limited.