With the rapid development of economy, the focus of building rural finance has gradually attracted people's attention, and it has become one of the foundations and priorities of the contemporary rural economic system. In addition, the rural financial service system not only promotes the prosperity and development of rural economy, but also maintains social harmony and stability. At present, with the continuous progress of science and technology, artificial intelligence technology has begun to appear in people's production and life, and the combination of artificial intelligence technology and a variety of rural financial models has a unique advantage of low cost and cross-regional. However, we should still see that China's rural financial service system still has many deficiencies. China's financial service system is still in its infancy. At the same time, under the impetus of artificial intelligence technology, it faces a series of challenges and bases. Therefore, in the era of artificial intelligence, China should fundamentally optimize and reform the rural financial service system.