This paper considers China's Western area rural residents income,agricultural credit,rural financial service and agricultural insurance as main research objects. According to the summary description of rural financial development situation in the year of 2010 and 2011and combining the situation contrast of the different provinces,it finds that,from 2010 to 2011,the rural residents' net income is obviously increasing and the living-level is being significantly improved as well. The rural financial service level is also significantly raising,agricultural insurance coverage continuously expanding. However,the gap of the rural residents' income and financial services among the various provinces in the Western China is still existing and the overall development of rural finance is also keeping imbalances. <<