Base on“A Thousand Villages Investigation“of 2017 by Shanghai University of Finance and Economics，the paper investigates the Internet financial inclusion in the Chinese rural areas. Internet finance has developed very rapidly in these years in the Chinese rural areas. But there are distinct differences among areas. The paradox of Internet financial inclusion may exist. The paper builds a model to measure the development level of Internet financial inclusion of the whole country and different provinces from three aspects: The permeation，useless and effectiveness of Internet finance. It is found that Internet financial inclusion is the best in the East of China，while worst in the Northeast of China. Gini Index decomposition shows that the sources of these differences in Internet financial inclusion are mainly resulted from those differences between different areas，with the differences within each area being relatively small. Then，those factors，and their respective contribution，which significantly affect the development of Internet financial inclusion are got by Shapley difference decomposition. The influence model is built on those significant factors. As a whole，those factors concerning farmer households are the main causes which delay the development of Internet financial inclusion in rural areas，especially the self-exclusion. Though，the causes show some differences in different areas. In the East of China，governments should use Internet first to build an Internet environment for farmer household. In the Middle of China，governments should improve the investment in communal facilities of Internet. In the West of China，governments should invest more in Internet hardware. In the Northeast of China，governments should retain talents and decrease the human resource outflow. All these measure together can contribute to the improvement in inclusion of Internet finance in Chinese rural areas.