The Reference Remote Sensing Image Segmentation (RRSIS) task generates segmentation masks for specified objects in images based on textual descriptions, which has attracted widespread attention and research interest. Current RRSIS methods rely on multi-modal fusion backbones and semantic segmentation heads but face challenges like dense annotation requirements and complex scene interpretation. To address these issues, we propose a framework named \textit{prompt-generated semantic localization guiding Segment Anything Model}(PSLG-SAM), which decomposes the RRSIS task into two stages: coarse localization and fine segmentation. In coarse localization stage, a visual grounding network roughly locates the text-described object. In fine segmentation stage, the coordinates from the first stage guide the Segment Anything Model (SAM), enhanced by a clustering-based foreground point generator and a mask boundary iterative optimization strategy for precise segmentation. Notably, the second stage can be train-free, significantly reducing the annotation data burden for the RRSIS task. Additionally, decomposing the RRSIS task into two stages allows for focusing on specific region segmentation, avoiding interference from complex scenes.We further contribute a high-quality, multi-category manually annotated dataset. Experimental validation on two datasets (RRSIS-D and RRSIS-M) demonstrates that PSLG-SAM achieves significant performance improvements and surpasses existing state-of-the-art models.Our code will be made publicly available.