Using related survey data,this paper analyzes the basic characteristics,the saving conditions and the financial demand characteristics of the rural households in west region of China,and the influencing factors of attainable credit and the working mechanism of these factors are analyzed by multinomial logic regression model.At last,the author gives the corresponding suggestions from four different perspectives such as further meeting the rural households' financial demand, perfecting the convert mechanism from irregular finance to regular finance,designing of the rural financial growing mechanism,and useing the supply chain finance to motivate rural financial growth in west region of China.