外迁农户贷款难以监控、管理成本高、风险大,但通过采取巧妙且有效的措施,还是可以攻克这一难题的目前,随着大批农村青壮年外出务工,甚至举家外迁,一些基层农商行目前到期未收回的贷款中80%是外迁农户贷款。这部分外出务工人员分散,难以监控,管理成本高、风险大,对农商行的信贷业务产生了较大的影响,找到针对这部分特殊群体信贷清收的有效办法和措施显得尤为重要。外迁农户贷款的管理难点催收难。全家外出贷款农户由于外出下落不 It is difficult to monitor the loans of relocated peasants, with high management costs and high risks. However, by adopting clever and effective measures, it is still possible to overcome this problem. As a large number of young and middle-aged rural migrant workers go abroad and even move their families, some grassroots peasants 80% of loans that are not yet recovered by the firm at present are loans from relocated peasants. This part of migrant workers scattered, difficult to monitor, management costs are high, the risk of rural credit business has a greater impact, to find effective measures and measures for this part of the special group of credit clearance is particularly important. Difficulties in the management of relocated peasant loans difficult to collect. The whole family out of loan farmers because of whereabouts not