Abstract: On the basis of the data from 393 questionnaires in 5 counties of Guizhou province, the study described the factors of farmer loan behaviore, and provided the theoretical hypothesis; then made correlation analysis of the single factor according to the factors of the theoretical hypothesis; at last ,by using the multinomial logistic model, analyzing the affected factors of famer loan behavior. The result showed the householder education level, number of family labor force, level of knowledge of credit policies, cultivated land,agricultural income, education and medical expenses, village cadres had the distinct influence on the famer loan behavior.