National Student Loan Credit For Risk Analysis And Management

Since national student loans were run from 1999 to the end of June of 2004, it has granted the loan 5,200 million yuan totally in the whole country, subsidizd 830,000 poor students. Student loans have already become one of the main measures of subsidizing the poor student. But while national student loans implemented , because the credit system of our country was not still very complete, a lot of university student's rate of violation of loan up to about 20% for a time. Therefore the bank loan appeared some questions such as being relatively risky and inconvenient student loan thats.This article carry on some discussions to the credit risk management in national student loans from two respect of set up university student personal credit appraisal system and use credit default option to manage the credit risk of national student loan, expect it to be helpful to the national student ioan's launch in all-around the way.The first part is the setting-up of university student's personal credit appraisal system. Including brief introduction of factor analytic, choose credit evaluation index according to national student loan sample data, confirm the weight among credit index with the factor analytic, calculate its total credit scores, and examined the accuracy of the system.The second part is use credit default option to manage the credit risk of national student loan. Including brief introduction of credit derivatives , the concrete step of use credit default option to manage the credit risk of national student loan , detailed description of the option, explained the whole course that is set up and carried out of option with a imaginary example finally.