Relatively simplified method for determination of surface reflectance has been used by using the ratio between SWIR and VIS band reflectance over land surface. The surface reflectance ratios (SWIR/VIS) were estimated over land in Korea from Terra Moderate Resolution Imaging Spectre-radiometer (MODIS) L1 data. The ratios by using the minimum reflectance technique were lower than those by MODIS operational aerosol retrieval algorithm. Although the comparison between MODIS and sunphotometer Aerosol Optical Thickness (AOT) has a good correlation coefficient (R=0.84), slightly overestimated MODIS AOTs were shown with a slope of linear regression line of 0.89. The comparison between the ratio and AOT dearly exhibit that the error of MODIS AOT could be originated from the underestimated surface reflectances by MODIS operational algorithm.