Research Of Building Credit Evaluation System For Government-Subsidized Student Loans In China

The Government-Subsidized Student Loans is the CPC Central Committee and the State Council in the socialist market economic conditions, the use of financial instruments improve our colleges and universities subsidy policy system, increase poor students in colleges and universities funded to a significant measures taken. The Government-Subsidized Student Loans is a kind of educational consumption and credit loans which the bank gives the college students through the push of government's policies and administrative instruction. When students are on the campus, the interests are paid by the government. After graduation, students should pay them by themselves. And the repayment period is six years. Under the present the depressed market economy environment, the lower market employment rate and the decline of the entire social morals view values, will cause the bank loan recovery have misgivings about the future, and so the bank not to be very positive in the Government-Subsidized Student Loans.To solve the problems of, the universities as the direct beneficiaries of the Government-Subsidized Student Loans and the bridge between banks and students, is very important to how to actively cooperate in loans activities of banks in the student loan credit evaluation, credit management and education role in enabling educational loans towards a virtuous circle track become critical.Therefore, this article to create the Government-Subsidized Student Loans credit evaluation system for the main study. And begin from game theory, asymmetrical information theory, the theory of the cost in terms of the Government-Subsidized Student Loans risk analysis, discussed the need for a system of evaluation of the Government-Subsidized Student Loans, and made the premise of a credit evaluation system steps and content base on the analysis of credit factors. Then, using the Dephi method and the AHP method to determine the law of the credit evaluation system index, index weight, and transforms the weights into centesimal weight and give the scoring standard. Finally, randomly selected six students at the Government-Subsidized Student Loans as research, numerical calculation compared with the actual performance has been less satisfactory results. In order to keep the system work normally, this article gives counter measures and the advice in the last chapter.