Abstract:

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.

Key words: peasants&rsquo, housing purchase, real estate financial risk, peasant credit investigation, internet big data