In recent years, the system of social pluralism has been under attack, and the dominant urban culture seems to be erasing the characteristics and vitality of different regional cultures. However, the concept and perspective of cultural pluralism reveals the interaction of different cultures in the reality of rural areas, which is reflected in the Rural Rotating Savings and Credit Association ,Mutual Aid Association.ROSCA support the development of individuals and local communities by rotating savings within local social organizations, combining urban industrial and commercial norms with local vernacular social culture. The existence of ROSCA is based on a multiculturalism social life.By combining urban commercial culture and rural culture, ROSCA bridges the gap between the social financial market and the rural grassroots financial ecological environment, avoiding the impact of urban commercial culture and effectively advancing the development of rural society in line with modern society. The interaction of the two cultures in ROSCA reflects the stability of social structure and the inclusiveness between cultures. The study of ROSCA from the perspective of multiculturalism is essentially a study of urban and rural social culture, which can effectively understand the basis of rural social life from the perspective of rural sociology and can also consolidate the cohesion of rural society.The collision of urban and rural culture is the collision of modern culture and traditional culture in the 21st century society, the former representing the future and the latter representing the accumulation. How to coordinate the harmonious relationship between the two, mutual recognition and tolerance is an inevitable requirement for the modernization and development of rural society. Multiculturalism's study of ROSCA is a study of the social foundation of modern rural governance and the development dynamics of rural society.
