Study On Risk Assessment And Control Of State Student Loan In Commercial Banks

National student loan is one kind of pure credit loan,dominated by the government and undertaken by the commercial banks.The loan,which is for poor students in the university,is unsecured.It is a major measure proposed by the government of China in the financial field to develop the education,implement the strategy of rejuvenating the country through science and education,and the strategy of strengthening the country through talents.The money will be spent for the tuition and alimony of the poor students,which is helpful for the students to graduate from university successfully,and get the fair chance to take the education.Also,the alleviating the financial pressure on some poor students to attend school effectively.The loan is regarded as a project of benefiting the country and the people.However,since the national student loan adopts the pure credit loan method,the loan target is the college students with no income source,and the related supporting management policies are imperfect.Since the launch of the loan,the high default rate has been increasing year by year.Low dividend,high risk and the inconsistencies between policy objectives with commercial banks' profit targets,leading commercial banks to lack the enthusiasm for the implementation of student loans.How to take effective measures to avoid loan risks and make sure the development of national student loan projects is a major theoretical and practical issue.Based on the background of the times,the paper deeply studied relevant literatures at home and abroad and combed literature review so as to lay a solid foundation for the research.Guided by the financial inclusive growth theory and credit risk management theory,this paper analyzes the development history,development status,existing problems and risks of commercial bank's national student loan business.Then,with the help of typical case analysis and questionnaire survey method,the paper takes the H brunch of Bank of China for sample,analyzing the outstanding problems and risks.Besides,The paper constructs a national student loan risk assessment index system including dimensions of student credit risk,student repayment ability risk,school management risk and education authorities manage risks.The system can assess risk scientifically.Eventually,basing on theoretical analysis and the results of assessment system,the paper puts forward some suggestions to prevent and resolve the risk of commercial bank national student loans.The paper found that credit risk is the main risk faced by commercial banks,but,The risks of other dimensions cannot be ignored.We should make comprehensive efforts to improve the top-level design of student loan,personal credit information system,improve the integrity of college students,increase the intensity of breach of contract,improve the legal system,innovate the means of student loans,and strengthen the cooperation of school and banks.It is especially recommended to make full use of the electronic advantages of college student management in the era of big data to collect student credit information and provide first-hand data for credit risk assessment.The credit risk of commercial bank's national student loans will be reduced to a minimum level,and the national student loan business continued to be stable.