The Research On The Implementation Of Policies Of The National Loans For Students In Central South University Branch Of Bank Of China

This survey was conducted in recent years, South University's student loan policy and the actual results, using survey methods to study branch of Bank of China, Central South University, the national student loan policy and its implementation situation of the statistical analysis, using the chart analysis methods to visualize for the past six years, the Bank of China branch in the Central South University, Central South University, the national student loan policy and practical effect of the in-depth analysis resulted in the Bank of China, Central South University in the national student loan policy, the difficulties encountered in the implementation process and analysis of specific causes.This comprehensive analysis of the Central South University, the national student loan supply and demand conditions, Bank of China branch in the Central South Central South University, the University of loans, recovery status, status of implementation costs and loan proceeds, the national student loan status student satisfaction.Central South University, obtained the national student loan policy in the implementation process, there are still contradictions between supply and demand for student loans, credit conditions and design reasonable, student loan policy is imperfect, the process of implementation there are many problems, the students lack of good faith, Banks risk prevention mechanism of weak results.This paper also believes that the national student loan policy, Central South University in the implementation process is due to the existence of problems that exist between different interest groups, as well as banks and schools in the risk game between the lack of effective co-management mechanism for student loans management reasons.For the Bank of China branch in the Central South University, Central South University, National Student Loan policy implementation difficulties encountered in the process, this paper proposes to understand absolutely branch of Bank of China, Central South University, Central South University, student in the lending policies of the difficulties encountered in the implementation of countermeasures and recommendations.These recommendations include: the active build a platform, give full play to the role of schools, bridges, change from passive to active, and actively work to improve bank student loan service mode, Adjust the repayment period of the relevant provisions of repayment methods to establish the interest relief improve the risk-sharing mechanism, drawing on Western experience of developed countries to improve national student loan policy, adjusting the amount of student loans to solve the supply of the active structures of new information platforms.