Capital is one of factors which restrict rural economic development in west areas of China, Qianyang County is a typical county in the west areas which has backward economy, and the development of rural credit is of important significance to the development of county economy. However, the survey indicates that the loan funds of Qianyang County is simple and only comes from Rural Credit Cooperative, and its supply and demand are imbalanced in scale and structure, furthermore, rural funds outflow is serious, which is ubiquitous in the west areas. China should establish and perfect rural credit system, enlarge the sources of loan funds, set up external funds accession mechanism, promote capital backflow, optimize allocation structure of rural loan funds and realize the balance of supply and demand of credit.