Risk premium model - the development of our student loan system the realistic choice of.docVIP

Risk premium model - the development of our student loan system the realistic choice of Abstract: Although risk compensation models to the student loan system to write papers to bring the mandatory implementation, operation costs, supply and demand imbalance and other issues, but it is able to provide banks, financial institutions, colleges and universities to provide a point of balance of interests, but also to guide the three in the student loan management, carry out their duties, so that it is in line with the realistic choice of the current situation should be, Wen said. Keywords:: risk compensation models; student loans; realistic choice Four state-owned commercial banks at an average of the fact that default rates as high as 20 percent, its student loan lenders operating strategy developed by the symbolic resistance to the apparent suspension of the national student loan business almost a standstill. This grim reality, forcing the Ministry of Education in conjunction with relevant departments of the original student loan policy adjustments, in addition to interest subsidies, repayment length, loan amount, etc. adjustments, but more important is the introduction of new risk compensation mechanism in an attempt by Bank managers to give a certain percentage of the compensation funds to ease the process of commercial banks in the student loan policy goals and profitability objectives of contradictions, and promote the sustained and healthy development of student loans. However, the new implementation of the policy difficult, the question a lot, which was extensively criticized. Therefore, re-examine, evaluate the existing student loan risk compensation mechanism, the correct choice of development path of China’s great benefit to student loans. First, risk-compensation mechanism in student loan practices and their effects Current national student loan risk compensation mechanism in practice is按隶属关系 by the financial and college loans for the year took pl