Study Of Credit Scoring Methods In The National Student Loan

State student loan is a loan provided by financial institutions. And it is lent to help students who have economic problems to pay for their tuition fees and costs of living. The state student loan has two main preferences. One is that no hypothecation is needed, and the other is half of the interest is pay by the state or provincial government. The state student loan will be the principal measure to finance the students with financial problems in long-term.The credit risk in the operation of state student loan, however, challenges the banks greatly. The individual consumption credit appeared in our country not long ago. And its management and procedure are still not consummate. State student loan is the special individual consumption credit, and the risk in its operation is more difficult to measure and control. The purpose of this article is to establish a credit-rating forecasting model used to rate the credit of the borrowers of state student loan (the students). The writer hopes that this model will help the banks to learn about the future credit of the borrowers before loan providing. So the banks can make a proper decision. There is no ready-made above-mentioned model.The founding process of the model can be divided into there parts:(1) Indexes sieving: According to the borrowers are college students, this system includes the corresponding indexes such as personal information, family information (mainly the economic information), college information (eg. a famous university or a common one), etc. After the study of this part, those indexes influencing the credit rate significantly are chosen, and those not necessary are deleted.(2) Computing the weights of the indexes: In this part, the writer combines the Delphi method with the AHP (Analytic Hierarchy Process) method to work out the weight of each index. Then the writer transforms the weights into centesimal weight scores and gives the scoring standard.(3) Demonstration: On the basis of the former two parts, the writer selects four borrowers' information randomly, and uses these information to get the credit scores of each borrower. Then the writer compares the scores with the real performances of the borrowers, and gets a satisfying result.The result of the comparison testifies that the index system state student loan credit rating, as a credit-rating forecasting model, is scientific, objective and logical.