Risk Assessment And Countermeasure Research Of College Student Loan

Student loans are an important part of China’s Poor College Students subsidy policy is an important guarantee for the national implementation of national rejuvenation through science and education and training of talents strategy. Student loans are consumer credit loans, loans student’s future repayment ability and repayment of the possibility of an unknown, Student loan defaults has become the social problems can not be ignored and can not be denied. Therefore an urgent need to further establish and improve the college student loan risk evaluation mechanisms, scientific evaluation of the risk of student loans, make more effective and rational management strategies to safeguard the sound development of the student loans on the smooth implementation of the Student Loan policy important guiding significance.Accordingly, we choose the Chengdu University of Technology student loans as a starting point to expand the theory and practice of "Risk Assessment of Student Loan. The paper first reviews the domestic and international risk assessment study status of student loans. Then, the author in the previous evaluation index system on the basis of repayment capacity and repayment will proceed to build a Student Loan risk assessment system, and using principal component analysis and support vector machine, the combination of method to construct the PCA-SVM evaluation model. Finally, through the case study to validate and put forward countermeasures and suggestions of the Student Loan Risk.The outstanding results achieved in this article are:(1) In previous research, enrich and improve the Student Loan credit risk assessment system. I starting from the repayment capacity and repayment of the wishes of two, respectively, according to the natural situation of borrowing student, student and school performance in school income, family situation, employment prospects, the external environment, credit rating, and moral qualities, select40-5three indicators, a comprehensive analysis of student credit borrowers.(2) The use of principal component analysis and support vector machine, a combination of methods to build the PCA-SVM evaluation model. And through student loans, Chengdu University of Technology Risk Assessment instance, further validate the rationality of the evaluation index system and the PCA-SVM model is higher than the accuracy of the SVM model, has more advantages.(3) Finally, I put forward the guiding ideology and guiding principles of the Student Loan Risk, asked the three levels of preventive measures. Including:①The establishment of effective risk and integrity of the education system, from source control risk;②Improve the student loan policy and the legal system, the institutional risk prevention;③The establishment and improvement of multi-funded system and the risk-sharing mechanism from the main spread the risks.