Research On Risk Prevention Mechanism Of State Student Loan In Tianjin GS Bank

State student loan is a credit loan guaranteed by personal credit,which has certain risks for commercial banks.How to effectively prevent the risk of student loans in commercial banks and construct the risk prevention mechanism of student loans has become a research topic.This paper uses literature analysis method,case analysis,etc.to carry out analysis and research on the risk prevention mechanism of Tianjin GS National Student Loan.First of all,the background,significance,research content,methods and innovation points of the study,the domestic and foreign literature on the risk prevention of student loans combed,to obtain the existing research results.The relevant concepts and theories of research and design are analyzed.On the basis of theoretical analysis,this paper analyzes the current situation of risk prevention of state student loan of Tianjin GS Bank,finds out the problems,and explores the reasons from the external factors and internal reasons.In order to help Tianjin GS Bank effectively carry out student loan risk prevention,the case of foreign student loan risk prevention mechanism is analyzed,and some enlightenments are drawn from it.Such as: the United States "Stanford Loan Stake" risk prevention system and enlightenment,Japan's "Yuying Foundation" risk prevention mechanism analysis and enlightenment.They provide reference for Tianjin GS Bank to improve the risk prevention mechanism.Finally,the countermeasures to solve the problem are put forward in a targeted way,so that the risk prevention mechanism of the student loan of Tianjin GS Bank can be improved and optimized.Precautions for the application stage for student loans.It is mainly to improve the loan type development origin loan policy,strengthen the loan student guidance work to establish the sense of integrity;It is mainly to establish a credit evaluation system for loan students,guide loan students to establish a correct view of employment,and prevent the repayment of student loans.Improve the mechanism of student loan repayment management and strengthen the joint control and supervision mechanism of repayment.I hope to help the improvement and optimization of the risk prevention mechanism of Tianjin GS bank and make contribution to improve the risk prevention level of commercial bank student loans.