Analysis Of Student-origin-based-loan Business Of China Development Bank Corporation

At the request of the State Council of China since 1999 began to apply the national student loan but due to the pursuit of commercial banks of profit maximization" and the"funding" goal of the National Student Loan were opposite,with the passage of time, increasingly contradictory stand out, some college student loans forced appeared suspended phenomenon. In order to better implement and improve student loan programs, the CBRC has approved the National Development Bank to carry out the national student loan business demonstration sites in Inner Mongolia, Qinghai, Shanxi, Henan, four regions, In 2007 began to apply Student Loans business. As of 2014 the bank had a total payment of college student loans 26.109 billion yuan,49.646 billion yuan Student Loans to help millions of students to complete their studies.Business proportion of student loans are handled by china Development Bank has more than 70% of the national business, become the main force student loan programs of financial institutions. Gansu Province from 2007 began to apply Student-origin-based Loans, is one of the first provinces to offer Student-origin-based Loans. Based on the presentation of the development process of the national student loans in Gansu Province, focusing analysis the development status and business process of Student-origin-based Loans in Gansu Province summarising the advantages and disadvantages of Student-origin-based Loans. Finally, the existence of a disadvantage for the perfect proposal put forward.