New rural financial institutions play an important role in promoting rural economic development and improving rural financial services, and become an important force in rural financial supply. Although there are conflicts of interests between new rural financial institutions and traditional rural financial institutions in terms of customer resources and business operation, there are broad space for cooperation in the fields of capital, information and technology. Rural financial products have certain characteristics of public products, so in the game of rural financial institutions, the behavior of participants has a strong positive externality. Since the contribution of rural financial institutions can also yield lower returns, such behavior can lead to the mutiny of all participants, which is a “social dilemma of public goods”. Our study introduces a kind of effective fair mechanism, through the establishment of a new type of rural financial institutions and the traditional cooperative game model of rural financial institutions, explore the strategy choice between both sides, and from the decrease of the cost of cooperation, create a revenue increment, coordinate earnings ratio in different Angle is put forward, such as promote long-term and stable cooperation strategy recommendations.