With the further improvement of farmland circulation market and labor factor related market, the substitution effect of capital for land and labor in agricultural production is becoming more and more obvious, which may further stimulate the credit demand of farmers. The empirical research shows that the willingness to expand the operation scale of farmers has a positive effect on the credit demand of farmers; Also, the scale of land and the loan plan of farmers will also promote the farmers’ credit demand. By discussing the impact of operation scale expansion on credit demand, it provides ideas for the development of farmers in the context of credit constraints.