国家开发银行广东省分行国家助学贷款风险管理分析
发布时间：2018-11-05 08:54
【摘要】：国家助学贷款是一项“功在当代,利在千秋”的事业,这项业务的开展在我国时间不到20年。由于我国国家助学贷款一开始便体现了一种自上而下的行政推动过程,不像发达国家的助学贷款那样基本上是市场发展的自然结果,因此在发展过程中,其隐含的矛盾也随之曝露,其中信用风险问题尤其突出,研究具有重要意义。 本文除了导论外,主要内容包括以下几个部分： 第一部分即第二章,这是相关理论基础和国外经验。首先对国家助学贷款的概念及其特征进行了界定；重点运用道德风险理论对国家助学贷款存在信贷风险的机理进行了分析,介绍了风险管理的基本过程和主要策略；最后介绍了美国、澳大利亚、日本开展国家助学贷款的成功经验。 第二部分即第三至第六章,是国家开发银行广东省分行国家助学贷款风险管理全过程的案例分析,也是全文的重点。其中：第三章梳理了国家开发银行广东省分行国家助学贷款发展历程,利用风险识别理论结合国开行的实际情况,提出了国家开发银行广东省分行助学贷款的风险识别过程与步骤。第四章依据模糊综合评价理论,结合各位专家的意见与建议,建立了适用于国家开发银行的分析综合评价模型,将大学生信用风险评估指标体系中众多影响信用风险评级的因素归纳为三个层面共18个指标。并随机挑选学生,利用本文所建立的模糊评价模型进行评测,依据最大隶属度法则,对学生信用等级进行评定,提供给国家开发银行予以参考。第五章依据上述风险识别与评价的结论,针对生产流程分析法中的每一个步骤提出了相应的风险应对策略。认为降低助学贷款风险措施应该贯彻整个助学贷款的三个阶段即贷款前、贷款中、贷款后,提出了各阶段相应的降低风险的措施。助学贷款发放前的防风险工作主要包括：严格各层次的借款资格审核,提高对申请学生及家庭真实信息的了解程度,提高信用贷款宣传工作的效果；贷款期间的管理工作主要包括：对学生进行品德教育和开建学生的信用档案；对贷款学生毕业后的管理控制包括：完善学生的个人信用档案,制定还款计划和督促学生还款等三项内容。第六章从国家开发银行广东省分行的角度出发,提出了关于完善国家开发银行广东省分行助学贷款风险管理监控的措施。国家开发银行广东省分行助学贷款风险监控主要涵盖了四个方面的内容,分别是：国家助学贷款学生个人信用信息查询系统的建立与完善,国家助学贷款的偿还机制的改进,国家助学贷款的法律制度的完善和建设合理有效的操作流程,以及国家助学贷款的风险分担机制的建立。 第三部分即第七章,是对全文的总结和进一步研究展望。 本文的特色和创新之处是：从国家助学贷款提供者即国家开发银行的视角,运用现代经济学的前沿理论即信息经济学中的道德风险理论以及现代管理学中的风险管理的基本过程,系统分析国家开发银行广东省分行助学贷款风险管理全过程中的风险识别、风险评价、风险应对和风险监控。这在现有研究成果中还是比较少见的,也是本文的主要创新。
[Abstract]:National student loan is one "In the present day, Li is in Qianqiu." The cause of this business is less than 20 years in our country. Since the beginning of China's state-subsidized student loan embodies a top-down administrative push process, which is not basically the natural result of market development as the student loan of developed countries, the implicit contradiction in the development process is exposed accordingly. The credit risk problem is especially prominent, and the research is of great significance. In addition to the introduction, the main contents include the following: Part One: Part One, Chapter 2, which is the foundation of the relevant theory First of all, the concept and characteristics of national student loan are defined; the mechanism of credit risk of national student loan is analyzed with moral hazard theory; the basic process and main strategy of risk management are introduced; finally, the United States is introduced. National Student Loan in Australia and Japan The second part, namely, the third to the sixth chapter, is the case analysis of the whole process of the national student loan risk management in the branch of Guangdong Branch of the State University of China. It is also the focus of the full text, in which: The third chapter reviews the development course of the national student loan in the branch of Guangdong Branch of the State University of China, and makes use of the theory of risk identification in combination with the actual situation of CDB, and then puts forward the wind of the student loan in the branch of Guangdong Branch of the State University of China. In the fourth chapter, based on the theory of fuzzy comprehensive evaluation, combining the opinions and suggestions of experts, this paper establishes a comprehensive evaluation model suitable for the development of the national economy, and summarizes the factors which influence the credit risk rating in the evaluation index system of the credit risk of the university students. At the same level, 18 indexes were selected. The students were randomly selected and evaluated by using the fuzzy evaluation model established in this paper. According to the law of the maximum membership degree, the credit rating of the students was assessed and provided to the country. The fifth chapter is based on the conclusion of the above-mentioned risk identification and evaluation, and puts forward the phase for each step in the process of production flow analysis. The risk response strategy should be implemented. It is suggested that the risk measure to reduce the student loan should carry out the three phases of the whole student loan, namely, before the loan, the loan, and the loan, and put forward the corresponding stages. Measures to reduce the risk. The risk prevention work prior to the granting of student loans mainly includes the review of the loan qualification at all levels, the improvement of the understanding of the application of the real information of the students and the family, the effect of improving the publicity work of the credit loan, and the period of the loan. The management work mainly includes: carrying out quality education for students and opening up the credit files of students; managing the management control after graduation of the loan students; perfecting the personal credit files of the students, and making repayment plans and supervision and supervision. Chapter 6, from the point of view of the branch of Guangdong Provincial Branch of the State Administration of Taxation, proposes the improvement of the student loan wind in Guangdong Branch of the State Bank of China. Measures for monitoring and monitoring of risk management are mainly covered in four aspects: the establishment and perfection of personal credit information inquiry system of national student loan student and the national student loan. The improvement of the repayment mechanism, the perfection of the legal system of the national student loan and the reasonable and effective operation flow, as well as the wind of the national student loan The establishment of the risk-sharing mechanism. The third part, Chapter 7, is the full text. The characteristics and innovation of this paper are: from the perspective of the national student loan provider, namely, the national development view, using the front theory of modern economics, the moral hazard theory in the information economics, and the modern The basic process of risk management in management is to systematically analyze the risk identification in the whole process of student loan risk management in Guangdong Branch of the State University of China. Risk assessment, risk response, and risk monitoring. This is still a comparison of existing research results
【学位授予单位】：陕西师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
本文编号：2311568
[Abstract]:National student loan is one "In the present day, Li is in Qianqiu." The cause of this business is less than 20 years in our country. Since the beginning of China's state-subsidized student loan embodies a top-down administrative push process, which is not basically the natural result of market development as the student loan of developed countries, the implicit contradiction in the development process is exposed accordingly. The credit risk problem is especially prominent, and the research is of great significance. In addition to the introduction, the main contents include the following: Part One: Part One, Chapter 2, which is the foundation of the relevant theory First of all, the concept and characteristics of national student loan are defined; the mechanism of credit risk of national student loan is analyzed with moral hazard theory; the basic process and main strategy of risk management are introduced; finally, the United States is introduced. National Student Loan in Australia and Japan The second part, namely, the third to the sixth chapter, is the case analysis of the whole process of the national student loan risk management in the branch of Guangdong Branch of the State University of China. It is also the focus of the full text, in which: The third chapter reviews the development course of the national student loan in the branch of Guangdong Branch of the State University of China, and makes use of the theory of risk identification in combination with the actual situation of CDB, and then puts forward the wind of the student loan in the branch of Guangdong Branch of the State University of China. In the fourth chapter, based on the theory of fuzzy comprehensive evaluation, combining the opinions and suggestions of experts, this paper establishes a comprehensive evaluation model suitable for the development of the national economy, and summarizes the factors which influence the credit risk rating in the evaluation index system of the credit risk of the university students. At the same level, 18 indexes were selected. The students were randomly selected and evaluated by using the fuzzy evaluation model established in this paper. According to the law of the maximum membership degree, the credit rating of the students was assessed and provided to the country. The fifth chapter is based on the conclusion of the above-mentioned risk identification and evaluation, and puts forward the phase for each step in the process of production flow analysis. The risk response strategy should be implemented. It is suggested that the risk measure to reduce the student loan should carry out the three phases of the whole student loan, namely, before the loan, the loan, and the loan, and put forward the corresponding stages. Measures to reduce the risk. The risk prevention work prior to the granting of student loans mainly includes the review of the loan qualification at all levels, the improvement of the understanding of the application of the real information of the students and the family, the effect of improving the publicity work of the credit loan, and the period of the loan. The management work mainly includes: carrying out quality education for students and opening up the credit files of students; managing the management control after graduation of the loan students; perfecting the personal credit files of the students, and making repayment plans and supervision and supervision. Chapter 6, from the point of view of the branch of Guangdong Provincial Branch of the State Administration of Taxation, proposes the improvement of the student loan wind in Guangdong Branch of the State Bank of China. Measures for monitoring and monitoring of risk management are mainly covered in four aspects: the establishment and perfection of personal credit information inquiry system of national student loan student and the national student loan. The improvement of the repayment mechanism, the perfection of the legal system of the national student loan and the reasonable and effective operation flow, as well as the wind of the national student loan The establishment of the risk-sharing mechanism. The third part, Chapter 7, is the full text. The characteristics and innovation of this paper are: from the perspective of the national student loan provider, namely, the national development view, using the front theory of modern economics, the moral hazard theory in the information economics, and the modern The basic process of risk management in management is to systematically analyze the risk identification in the whole process of student loan risk management in Guangdong Branch of the State University of China. Risk assessment, risk response, and risk monitoring. This is still a comparison of existing research results
【学位授予单位】：陕西师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
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