SinceinstitutingtheReformandOpeningpolicy，variationsinthetrajectoryofeconomicdevelopmentinChinahasledtodistinctregionaldifferencesinthecreditmarketofChineseruralareas。InwesternChina，anareainwhicheconomicdevelopmentiscomparativelybackward，farmhouseholdsconstitutethemajorityoftheruralcreditmarket。Therefore，identifyingcharacteristicsofthecreditmarketoffarmhouseholdsinwesternChinaisnotonlybeneficialfortheeconomicdevelopmentofwesternruralareasbutalsofortheoverallgrowthandstabilityofruralcreditmarkets。Usingthedefinitionof“westernareas”outlinedbythestatisticsbureau，thispapergenerallyanalyzesthecharacteristicsofboththeregularandirregularcreditforfarmhouseholdsinwesternChina。