The rural credit cooperatives，as an important part in the financial system in China，the core of the rural financial system and the main force of China’s socialist new rural construction，play an essential role in easing financing difficult problems in the “agriculture，rural areas and farmers” and small micro enterprises. In Western China，especially in some ethnic minorities and poverty-stricken areas，the rural financial supply cannot meet the demand，and rural financial coverage is far less than the rest of the country. Due to its small scale，scarce capital，rural finance is less developed. At the same time，the rural credit cooperatives have some historical and institutional problems and defects during the development and other new type of rural financial organizations need to develop and expand. Therefore，how to innovate and develop rural finance in western China，promote financial GSP，actively explore the new developing models of rural credit cooperatives，is the main task and the main problem to solve with great importance and serious thinking.