Research On The Evaluation Model Of National Student Loans In Shandong Province

National student loan is a necessary financial product under the specific educational environment and background.It is of special significance for the development of education and for the educated.In our country,with the process of educational reform and the popularization of higher education,it is up to the principle of efficiency to share part of the cost of education by individuals.However,this has brought about the problem of fairness in higher education for families with financial difficulties.With the development,it has become a hot spot of social concern and has become a social problem at one time.With the guidance of the national policy,some financial institutions have been involved in the field of student loans,but because of all kinds of problems,the development of student loan business in China is not smooth.In this context,the China Development Bank to finance the development of the concept of innovation,cooperation mechanism and business model,a successful exploration in the national student loan business,the bank will develop as financial institutions financing advantages into full play,and the full implementation of the national student loan and give the requirements of the relevant preferential policies,to overcome the the credit environment of our student loan market is poor and the difficulties,out of a very successful road.The development of Shandong Province,the national student loan business,can be said to be a microcosm of China's student loan business in the country,vigorously promote the student loan policy on the occasion,also to achieve full coverage of the student loan business,nearly ten years since the business is booming,helping hundreds of thousands of poor students realize their dreams.However,the practice of student loan business in Shandong also has many phenomena,which deserves our attention and research.For example,cooperation mechanisms and institutional construction of short boards,these short boards and student loan business development contradictions.Constantly improving business processes and accounts design programs,lending students the need for student loan business.Based on the analysis and evaluation of the national student loan pattern of the new mechanism of Shandong Province,this paper puts forward some suggestions for improving and enriching the business.