Research On The Construction Of The Credit Evaluation System Of The Student Loans In Yunnan Province

2015 i s the first impl ementation of a compl ete year after the national student loan standard has been raised.However,due to student loan credit is a complicated project,it characteristed by many business entities,large amount of loan students,many business links,and long repayment period.And it requires the cooperation of government,banks,education departments at all levels,universities,etc.These determine the risk of student credit loans.Since it is a pure credit loan,it depends on the credit level of the loaned student.Once break a contract will cause a non-performing loan to the bank.And when the regional bad loan is large,it will affect the issuance of the regional loan.Therefore,the introduction of good risk management measures before,during and after the loan process will help to reduce the occurrence of non-performing loans.With the continuous increasing of business volume,how to construct an effective risk control strategy is of great significance to the healthy and sustainable development of student loan business.This article will revolve around credit loan risk control countermeasure research student nationalities in Yunnan province and attempt to explore the theme of the development of national student loan history and experience to analyze the status quo of the student loan business in Yunnan province and the existing problems.This article through a questionnaire investigation carried by the students,studied in Kunming university of science and technology,who applied for credit loans,and using the analytic hierarchy process(ahp)to construct the matrix model to put the source of applicant in a credit rating before the loan,and according to the credit score to credit management.Then makes several suggestions on business risk management countermeasure for business subjects of the lenders and main agency bank,colleges and universities,students and put forward countermeasures for the health of student loan business goals of sustainable development.This paper focuses on credit scoring of student loan applicants before loans,and credit management according to credit score;the credit score is mainly measured from two dimensions of the applicant' s debt paying abi 1 ity and debt repayment will,and then the credit score is calculated.According to the quality of lender's credit rating,a reasonable loan amount is granted,thereby reducing the possibility of default and the loss value to a certain extent.The credit rating model of the student credit student loan is basically scientific,objective and reasonable.Through the credit rating of the student applying for loan,it can control and manage the credit risk from the loan application stage,and provide effective and rapid decision basis for the issuance of credit student loan in the source place.