Analysis on the Rural Laborer Flow and the Default Risk of Rural Household Loan in China

摘要

With the development of new-type rural financial institutions and the popularization of rural micro-credit, regarded as one of the traditional risks of the banking institution, the default risk can not be ignored. Especially with the constant development of "Agriculture, Peasant and Countryside" (the so-called "3 Issues of Agriculture") , the changes of rural economy and rural household's relationship have brought the new inducement. Under this background, on the basis of analyzing the traditional characteristics and changes of rural household community in China, this article probed into the impact of rural laborer flow on the default risk of rural household loan, and put forward some proposals on controlling risk.