Abstract: Based on the internal logic interpretation of the effect of credit rationing on rural poverty, the paper uses panel threshold model, and gives an in depth analysis of the nonlinear interaction and regional differences of credit rationing on poverty in rural areas. The study finds: to reduce the degree of credit rationing is an effective way to slow the poor in rural areas, and has a significant threshold characteristics; with the extent of agricultural credit rationing converts from the high level interval to the low range, the relationship between rural poverty and the degree of credit rationing was "U" shape change; the threshold effect of credit rationing on poverty in rural areas has regional characteristics. As the credit rationing degree decreases in eastern rural areas, the poverty reduction effect of increasing the effective supply of credit gradually weakened; in central and western rural areas, with the extent of agricultural credit rationing converting from the high level interval to the low range, the relationship between rural poverty and the extent of credit rationing was "inverted U" shape change.