China's rural credit cooperatives generally established in the process of the agricultural cooperative movement of China. Its theoretical starting point is not recognized by the international cooperation principle and also not entirely by Marxism cooperation theory, but mainly from the agricultural collectivization theory of Stalin. The fundamental cause for Chinese rural credit cooperatives reform can't achieve its desired goal is that the starting point of China's rural credit cooperatives theory is not only deviates from the principle of international cooperation but also does not follow the special system arrangement of Marxism cooperation theory.