Risk Management Strategies Ofstudent-Origin-Based Loan

National student loan is the Party Central Committee and the State Council in order to effectively do a good job in the popularization of higher education, implement education planning objectives, use financial and other means for the majority of students to enter the university by providing financial support. National student loan is divided in two types, student-origin-based loan and college student loan, they together provide financial support for students in poor family or suffered significant changes. At present, with the continuous development of the China Development Bank student-origin-based loan, the college student loan has gradually faded out of people’s sight. The purpose of student-origin-based loan on one hand help students complete their studies, on the other hand, to achieve a two-way cooperation between the bank and the government. This paper takes China Development Bank as an example, carries on the risk management strategies.Student-origin-based loan is a complex project, which has many characteristics, such as more business entities, large loan students, business links, and longer payment period. The government, banks, all levels of education departments, universities and other cooperation, all determines the risk of credit to the students. With the rapid increase in the volume of business, how to build a set of effective risk management strategies for the students to the healthy and sustainable development of the credit student loan business has important significance. This paper will focus on the development of China Development Bank Yunnan Branch student-origin-based loan risk management strategies, through the development of national student loan and experience, analysis of the status quo and existing problems of Yunnan Province, the use of risk analysis method for risk identification, and around the handling bank, all levels of funding center, University, students, local government, the Agency proposed risk management measures. Through the improvement of credit system construction, standardized loan management, strengthen the integrity of education and business promotion, in order to achieve the goal of sustainable development of student loan and make contribution.