Rural financial reform directly relates to the development of rural economy and personal interests of peasants. Most of former research results have studied rural financial reform from analyzing the present problems of rural credit cooperative union, while this paper studies the problem from analyzing peasants wills, aiming at understanding the real wills of peasants on the whole, especially the real wills of peasants in the economic backward areas. According to the investigations and statistical analysis, we find that most peasants of economic backward areas actually have positive evaluations on the current rural credit cooperative union, and whether the peasants could obtain the debts from the rural credit cooperative union is closely related to whether they acknowledge the rural credit cooperative union and would like to participate the financial cooperation.