Due to the influence of the complexity and diversification of financial needs in rural areas, traditional financial services have exposed many problems, and it is difficult to fully meet the personal credit needs of farmers. Under this circumstance, rural digital financial inclusion has achieved rapid development. Compared with the traditional inclusive finance model, digital inclusive finance has wider coverage and higher service efficiency, helping to promote the development of the rural economy. At present, the development of rural digital inclusive finance still faces many difficulties, which need to be solved and optimized urgently. To this end, this paper discusses the development difficulties and countermeasures faced by rural digital inclusive finance for reference.