促进农民购房，化解三四线城市房地产库存，是去年中央经济会议确定的一个重要任务。农民购房贷款的金融风险客观的存在，为了促进农民购房，就有必要建立一套适合农民的征信体系。信用报告是购房贷风险识别的重要利器，但是央行征信系统对农民信息的覆盖不足，据此出具的农民信用报告将使得不被覆盖的农民工无法正常获得银行贷款。根据我国互联网市场发展状况，构建以央行征信系统为主、互联网数据为辅的农民购房征信系统将是我国房地产金融的重要创新。

It is an important task confirmed at the central economic conference which was held last year to promote peasants’housing purchase ability and resolve the real estate inventory in the third or fourth tier cities. However, it is hard for the bank to recognize the loan risk in actual operation process, because the central bank credit system failed to cover the majority of peasants. Based on the analysis of the financial risk from the angle of economics, we find that the risk of peasants’purchase is clear. It is important to construct a credit system framework mainly built by central bank and supplemented by internet big data to complement the insufficiency of peasant credit report.