The Research Report About Students’ Loan On Henan Branch Of China Develop Bank

The people’s livelihood finance is the financial behavior based onpeople-oriented and service economy. The social responsibility and financial institutions,which reflects the essence Scientific Outlook on Development requirements. Nationals t u d e n t l o a n i s o ne o f t h e i mp o r t a n t c o n t e n t s o f l iv e l i h o o d f i n a n c i a land business, involving the basic guarantee of the development rights of vulnerablegroups. In view of student loan management cost, long period, high risk and low profit, Itis a general policy loans is dominated by the government, so that the national studentloan. It is mainly composed of the fiscal and universities together to give banks acertain interest and risk, compensation, banking, education and administrativedepartment and the joint operation, It is designed to help the University family economicdifficulties students pay during the school tuition fees, accommodation and livingexpenses, the loan student after graduation installment loan. National student loan is toease the market failure, an important measure to promote education fair.National Development Bank since its establishment in1994, has long been a focusof services including Student Loans Finance of the people’s livelihood, is committed toachieving common development of Finance and economy.Through the developmentof long-term credit and investment and other financial business, to serve the strategy oflong-term development of the important in the national economy, and implement thenational macro economic policy, raising and guide social capital to ease the bottle neckconstraining economic and social development and the weak link, is committedto promoting the market on construction and financing in support of thenational infrastructure, basic industries, pillar industries and the strategic emergingindustry development. The national construction projects, and promote coordinatedregional development and urban construction, support small and mediumenterprises,"three rural area", education, low-income housing, health careand environmental protection and other areas of development. The China DevelopmentBank supports the strategy of going out, and to expand internationalcooperation business. Thus, it not only strengthen the national power, but alsoimprove the people’s livelihood, and pr omote scientific development. According to the National Development Bank in the national student loan fieldexploration, and mainly in the representative CDB Henan branch of the successfulimplementation of the national student loan "Henan mode" as the research object,analysis and summary of CDB Henan branch to carry out the national student loan,reason, background of experience, practice and effect, according to the main theproblems existing in the national student loan business bank branch in Henan provinceand analyze the survey results, and puts forward the corresponding measures, aimed atimproving the financing system innovation, government, market, enterprise, social forcestogether, play the development and construction of financial market, the creditconstruction advantage, promote social development with market construction, the gap inthe market into the commercial sustainable business, achieve a win-win socialresponsibility and business value.