Using cloud top physical properties of geostationary satellite, ground rainfall observation, and MM5 numerical simulation，the authors analyse the evolvement and structure of typical stratiform cloud. It shows that the relationship between cloud top physical properties and rainfall intensity at single station is not simply statistic. If rainfall is large, a good positive relationship between rainfall per hour and cloud top height, effective particle radius, and a good negative relationship between rainfall per hour and cloud top temperature are found. Whereas, higher cloud top height, lower cloud top temperature, and larger effective particle radius cannot always guarantee the larger rainfall. The mechanism of this phenomenon has been explained by numerical simulation.