Risk Evaluation And Countermeasures Of Education Consumer Credit In China

Now consumption has become an important means to stimulate GDP growth.With the two-way benefit of the two child policy and education policy,education expenditure accounts for a rapid increase in total household expenditure.In the new educational outbreaks brought by the promotion of the educational concept of parents and the upgrades of the consumption,the demand for the consumer financial products of education is increasing rapidly,while the risk of credit is also increasing rapidly.This paper first puts forward the research background and significance of the paper.On the basis of reviewing the related research of education consumption,credit and credit risk at home and abroad,this paper expounds the present situation of the risk of education consumption credit in our country,and then makes a theoretical analysis on the risk of education consumption credit in our country,especially for the cause of the risk of education consumption credit.The element is analyzed with emphasis.Then use the analytic hierarchy process to establish the model,establish the evaluation index system of educational consumption credit risk,and get the evaluation of the risk of Educational Consumption Credit:the financial situation of the borrower has the greatest impact on the risk of education consumption credit,followed by the macro environment,then the borrower's credit status,and then the internal factors of the educational institutions,and then the internal factors of the educational institutions,and then the internal factors of the educational institutions,It is the internal factor of the financial institution.To control the risk of educational consumption credit,the most important thing is to examine the borrower's ability to repay the debt,and to have a good credit environment,but we can not ignore the risks from financial institutions and educational institutions.Then,according to the results,the control measures of credit risk are put forward:to build the internal and external environment conducive to the control of the risk of education consumption credit;to improve the credit system and to strengthen the collection of risk data;to eliminate the illegal operation in the consumer credit business;to strengthen the supervision of the financial institutions and educational institutions;and to improve the education.The construction of the credit control system will help the families with difficulties in the economy to help the consumers to consume,and promote the healthy and stable development of the educational consumption and credit in China.Through the research and analysis of this paper,we can improve the ability to identify the risk of education consumption credit,and can have a more comprehensive and accurate understanding of the risk of education consumption credit.