Research On The Risk Control Of The National Student Loan Credit Insurance

By functioning insurance’s risk diversification and loss compensation fully,national student loan credit risk insurance(hereinafter referred to as academic credit insurance) has transferred the bank’s loan lending risks effectively in Chinese national student loan, solved the problems of loaning difficultly for poor students who are under the conditions of the lack of credit and insufficient guarantees and safeguarded the stable operation of the national student loan policy.Firstly,from the beginning of the research background and significance,it pointed out the phenomenon of small business entities in academic credit insurance and the necessity on the research of risk control.Secondly,through the academic credit insurance related concepts and theoretical analysis, it provides a theoretical basis for the later research,then by the analysis of the rsik control measures in American student loans,it concluded that risk control must be government-based and revelant subject together with.Thirdly,through the analysis of Anhui Sinosafe Insurance’s academic credit insurance’s underwriting, claims processes, and development status by using case analysis,it refers that student loan credit risk is the core risk in academic credit insurance,and then based on the relationship between the main parties to the academic credit insurance,it analyzes the cause of the academic credit insurance’s risk,such as credit system is imperfect and the relevant law is not perfect which cased by government etc..Fourthly,combinning with the existing risk control measures which used by Anhui Sinosafe Insurance in the process of academic credit insurance,it points out the shortcomings on underwriting link.Finally,for all the factors in academic credit insurance,it makes several suggestions such as accelerating the pace of building credit and improving relevant laws and regulations etc.to reduce the risk in academic credit insurance from governments, universities, lenders, student loan and insurance companies.