Research On Risk Management Of Student-Origin-Based Loan In GK Liaoning Branch

Student loan is a major measure taken by the Party and the state to improve the system of financial aid to ordinary colleges and universities in China and increase the level of financial aid to poor students from ordinary colleges and universities.GK Liaoning Branch is a national policy bank.Over the years,it has supported the development of infrastructure construction,basic industries and pillar industries in Liaoning Province.It has made major contributions to the revitalization of the old industrial base in Northeast China and industrial optimization and upgrading.At the same time,GK Liaoning Branch also plays an important role in the field of people’s livelihood,reflecting the social responsibility as a policy bank.Student-Origin Loan is a key livelihood business of GK Liaoning Branch.Since its development,it has supported a large number of poor students.At the same time,it is the only complete personal loan business of GK Bank.It is necessary to study and discuss the risk management of Student-Origin Loan business of GK Liaoning Branch,and put forward risk control measures and suggestions.Based on the practice of GK Liaoning Branch’s student-origin student loan business,this paper analyses the current situation of risk management of GK Liaoning Branch’s student-origin student loan business.By identifying and evaluating the risks of each process link of the loan,this paper analyses the shortcomings of existing risk management measures,and puts forward more optimized risk control measures,so as to continuously improve the risk management of GK Liaoning Branch’s student-origin student loan business.Business benefiting people’s livelihood and serving more beneficiary groups.The introduction mainly includes research background,research purpose and significance,literature review,research thoughts and methods.The main body of the paper is divided into four chapters.The second chapter is an overview of relevant theories,including the definition,conditions and provisions of student-origin loans;the concept,characteristics and content of credit risk;the overview of credit risk management and related research methods.Chapter three is the analysis of GK Liaoning Branch’s student-origin loan business and risk management status,including GK Liaoning Branch’s introduction;GK Liaoning Branch’s student-origin loan business development situation;GK Liaoning Branch’s student-origin loan business risk management status and existing problems.Chapter four is the risk identification of GK Liaoning Branch’s student-origin student loan business,identifying the risk of GK Liaoning Branch’s student-origin student loan through the analysis of the loan process,and summarizing it.Chapter five is the risk assessment of GK Liaoning Branch’s student-origin student loan business,using the analytic hierarchy process to establish a model to assess the risk.Chapter six is about the risk control measures of GK Liaoning Branch’s student-origin student loan business.According to the conclusion of risk identification and evaluation,the risk control measures of GK Liaoning Branch’s student-origin student loan business are put forward.Chapter 7 is the conclusion and outlook,summarizes the conclusions and shortcomings of this study,and puts forward the next research direction.