Research On The Factors Influencing The Default Of Rural Households' Small Loans In The Siziwangqi Sub-branch Of Bank A

The small loan business of farmers plays an important role in improving the development level of the agricultural industry,improving the mode of rural production and operation,and solving the shortage of farmers' funds.However,the unique characteristics of the farmers' small loans,the factors of farmers themselves and the sensitivity of agriculture all make the lending institutions face a great risk of breach of contract when they carry out the small loan business of farmers.Due to the lack of effective control of the default rate of small loans for farmers,which has led to the reluctance of some agencies involved in agricultural loans to continue to grant loans to the rural areas,which further curbed the development of the rural economy.In view of the plight of farmers' small loans and the study on the risk of breach of contract for small loans of farmers at home and abroad,this paper will analyze the factors which affect the default of small loans from the household loan data of a branch of the county of Qixian.In this paper,the actual registration and investigation of the small loan business of the A Bank of Siziwangqi branch of the Bank is an empirical sample.From the basic characteristics of the farmers and the family and the supervision of the lending institutions,this paper makes an empirical study on the risk factors of the small loans for farmers' small loans.The results show that six factors,income,information asymmetry,health status of household members,supervision,use of loans and the status of farmers' assets have a significant impact on the default of breach of contract for farmers' small loans.On the basis of the empirical research results,combined with the development status of the small loans for farmers in Siziwangqi branch of the A Bank,this paper puts forward the effective proposals for controlling the risk of breach of contract for farmers' small loans by farmers,hoping to provide practical help for the sustainable development of the rural good financial environment and the small loan business of farmers at the same level.