Based on the survey of microcredit implementation results of Zhouzhi and Qianyang counties, using the basic method of game theory, this paper compares and analyzes the financing game relationships between rural credit cooperatives and poor farmers under incomplete information and trust conditions In the incomplete information conditions, because of being afraid of farmers’ default and their own contract revenue being in a state of total loss, the rural credit cooperatives will refuse to provide loans for disadvantaged farmers with high probability, so microcredit can not be achieved Under the conditions of trust, the poor farmers and rural credit cooperatives both know each other will take the strategy of cooperation, so trust will promote the successful completion of borrowing At last, the paper puts forward policy recommendations for the operation of microfinance in the game process realization conditions