China Develpment Bank Shaanxi Branch Student Of Brithplace Loans Business Perfection

In1999, China began to implement the national student loan policy of financial institutions, in2005, the full implementation of the national student loan system in the country, student loan system for poor students in school tuition and other aspects played an integral solution to the problem the role of effective enjoyment of the right to make students successful education. However, when the full swing of the country to carry out student loans when college students do not have bank loans phenomenon more and more, this initiative on the banks of those loans student loans is undoubtedly a blow, but also increased the Bank’s own credit risk. To this end, the relevant government departments to develop and introduce the students to student loan policy, CDB initiative to assume the main national students to finance student loans, Shaanxi Province Student Loans services specifically handled by CDB Shaanxi Branch. CDB Shaanxi Branch from2007Student Loans handled since, after seven years of continuous exploration and innovation, Shaanxi Branch has achieved good results in terms of student loans, but in the actual conduct of business process, still faces many problems, need to constantly improve, so as to improve the efficiency of banks, reducing the effect of credit risk, therefore, improve the existing student Loans business imperative.Through interviews communication method, internal data access method, document retrieval and other methods, the status quo students credit student loans CDB Shaanxi Branch analyzed mainly student loan qualification standards vary, the internal and external mechanisms are inadequate, Loan procedures are complicated and imperfect student loan system, and proposed the establishment of a problem for students of electronic archives, the establishment of specialized teams within the branch network of business operations, such as the introduction of market mechanisms involved in loan management improvement programs, while from organization, personnel, funds, mechanisms and experiences in five aspects Shaanxi Branch has made steady improvement measures to promote the implementation of safeguards.The main contribution of this paper is reflected in three aspects:First, the analysis pointed out that the reason Shaanxi Branch students credit student loan business potential risks, such as the guarantee mechanism is not sound problems and issues arising; Second, the proposed introduction of market mechanisms involved in the loan after management improvement measures, such as improving students credit student loan business; Third parties proposed to promote the implementation of measures to improve the protection from the organization, funding, personnel, mechanisms and experiences in five areas Improvement measures proposed can greatly improve the efficiency of Shaanxi Branch Student Loans, improve loan recovery rate, reduce risk and non-performing loan ratio.