The Research On The National Student Loan Risk Is Early-warning And Guard Against The Mechanism Establishment

Along with the high speed develop of the economic and the charge of education raising continuously,The National Student Loan policy is successful to resolve the students who are living in hard family circumstances to go to school difficult problem.But The National Student Loan is still exist some problems,such as supply falling short of deman,the regin development unbalance. The National Student Loan of our country is a kind of unsecured reputation loan,which is dual characteristic with the policy and business.The self-contradict management infulence the commercial bank security. Because the students with funds can not obey the contract which we call as default risk,maybe affect the management of the commercial bank and obstruct the virtuous cycle development of The National Student Loan in the future. The National Student Loan policy inbolves the government section, the commercial bank,high school and student four principal parts.The four parts improve the each shortage and strengthen the mutual communication,then lower students failing in promise can reduce the management cost and the risk of the commercial bank.This text draw lessons from the successful experience to foreign National Student Loan.According to the development of The National Student Loan analyze National Student Loan of our country in order to find the puoblems. The National Student Loan supply can not satisfy the deman of the students,and between the commercial bank and students can not realize each other's information in detail.This text carry thorough analysis on the commercial bank facing the risk problem and the reason during the period of management The National Student Loan.Aiming at the phenomenon of the students'fault disk, set the risk early-warning sign,what's more build up the risk early-warning sign system according to the principle of risk the early-waring sign which maily about students'job and family life after graduation.In order to supervisal the graduate credit risk,adopt valid measures to avoid the credit risk and lower the risk of the commercial bank.The National Student Loan risk of our country guards against the fault risk is not perfect,there is still some loophole to be improved. The National Student Loan has the own character,we can investigate the students'information right or not and strengthen the management in school as well as track the detail of graduates.Build up the personal credit system,reinforce the legal system construction and design various ways to return the loan,in order to improve The National Student Loan risk guarding against a mechanism of our country.