Under the extreme shortage of water resources in the Yellow River Basin, it is of great signifi-cance to analyze the spatial distribution relationship between rural settlement and water re-sources for the coordinated development of human and water resources in the Yellow River Ba-sin. However, the water allocation scheme depended on statistical data in the previous work, not on rural settlements in space. Furthermore, previous researches seldom focus on the evaluation of surface water resources accessibility according to the spatial distribution characteristics of ru-ral settlements and water resources, especially, in the Yellow River Basin and using rural set-tlement as unit. Therefore, a quantitative evaluation model of surface water resources accessibil-ity is constructed by using the GIS network analysis method, taking rural settlement as the re-search unit, based on three dimensions of topography, distance, and surface water resources, at the Yellow River basin scale. The results show that: (1) The surface runoff of rural settlement in the Yellow River basin is mostly less than 0.05 km/m2, reaching 99.83%. In other words, the Yel-low River Basin is extremely short of water resources. The surface water resources accessibility is affected by distance, topography, and surface water resources. The evaluation results show that the range of surface water resources accessibility is 0.13~0.88, with an average value of 0.47 and a standard deviation of 0.05. The High surface water resources accessibility value in the Yel-low River Basin is in the east and west, and the low value is mainly distributed in the middle. (2) The range from low to high of surface water resources accessibility in 12 catchments is Sanmen-xia station, Lanzhou station, Shizuishan station, Longmen station, Tongguan station, Toudaoguai station, Xiaolangdi station, Huayuankou station, Lijin station, Gaocun station, Ai Shan station and Tangnaihai station. (3) The value of surface water resources accessibility at the city scale is higher in the east of 10 cities and in the west of 1 city. However, it is lower in the west of 9 cities. And the values of the other cities are at a medium level. The correlation coefficient with primary industry GDP and surface water resources accessibility is 0.271 (N=56, Sig=0.043, in 0.05 level, the correlation is significant), which verifies the rationality of surface water resources accessibility model to some extent.