With the development of China' national economy and the improvement of resident' consumption ability, the nationals' initiative to participate in the financial market is getting higher and higher, which requires higher financial literacy to cope with the complex and changing financial market, and the level of financial literacy in Chinese rural and urban areas differs greatly. This paper analyzes financial knowledge, financial skills and financial awareness in the context of the actual financial development in rural areas of China, and uses financial social work as an important channel to propose that financial education in rural areas of China needs to be strengthened and financial social work can help improve villagers' financial literacy. We expect that by improving the financial literacy level of rural villagers, we can continuously optimize financial decision making and the ability to resist risks, expand the ways for rural villagers to participate in financial activities, and allow rural villagers to realize more freedom in the financial market.