Abstract: Based on the analysis of the influence factors of borrowing by 517 rural households from the six New-type Rural Financial Institutions introduced counties in Western Region, this paper uses classification Logistic Regression Model to analyze the decisive factors of the demand of peasant households’loans. The quantitative modeling analysis shows that a number of factors significantly affect the farmer's lending practices, such as age of head, education degree of head, number of dependents per family, cultivated land, the value of productive fixed assets, total income, total consumption expenditure, levels of debt, village cadres or civil servants, bank staff, household production type. In light of the influence factors and how it works, the authors provide some suggestions on how to improve it.