毕业论文（设计）国家助学贷款信用风险分析---以大理学院为例.docVIP

摘要 自1999年高校开始实行国家助学贷款政策以来，成功帮助千万个贫困大学生完成大学梦想，顺利毕业。但是受益国家助学贷款政策的大学生在毕业后到了该偿还本付息时，却由于各种原因不能按照贷款合同的规定，按时归还助学贷款，从而导致高校助学贷款违约率高，严重影响了银行对高校助学贷款的信心。大学生们违约情况的发生，直接导致国家助学贷款受到“高违约率” 的困扰，对社会、学校、学生本人以及之后的助学贷款申请者都造成了很大的负面影响。我国国家助学贷款正处于起步、探索阶段，制度的设计与政策的实施存在诸多问题。本文以大理学院真实情况对高校助学贷款违约情况进行剖析，查找风险来源，分析风险成因。并以此为基础，提出解决高校助学贷款高违约率的应对措施， 从而降低国家助学贷款的风险。 [关键词]：信用风险；国家助学贷款；信用评估 Abstract Since 1999 began to implement the national college student loan policy, successfully helped ten million poor students complete their college dreams graduate. However, the national student loan policy to benefit students after graduation to repay the debt service, they were not in accordance with the provisions of various reasons the loan contract, the return of student loans on time, leading to college student loan default rate has seriously affected the banks confidence in the college student loans. College students of default occurs, the direct result of the national student loan subject to a high default rates, the troubled society, schools, students themselves and student loans after applicants have caused a lot of negative impact. China is in the National Student Loan started exploratory stage, there are many problems in the design and implementation of the system policy. In this paper, the real situation of Dali University student college loan default situation to analyze, to find sources of risk, analyze the causes of risk. And on this basis, propose solutions to high college student loan default rates of response measures, thereby reducing the risk of national student loans. [Kwey words]: Credit Risk；National Student Loan ；Credit Rating 1．大理学院国家助学贷款基本情况 - 1 - 1．1大理学院学生申请国家助学贷款对象和条件 - 1 - 1．2大理学院贷款金额核定 - 2 - 1．3大理学院“高校贫困家庭学生资助问题”的调查结果 - 2 - 2．国家助学贷款信用风险与表现 - 3 - 2．1信用风险定义 - 3 - 2．2国家助学贷款信用风险界定 - 3 - 2．3还款不确定性 - 3 - 2．4国家助学贷款信用风险表现 - 4 - 3．国家助学贷款信用风险成因分析 - 4 - 3．1制度不完善 - 4 - 3．2信息不对称 - 5 - 3．3学生履行助学贷款的能力 - 5 - 3．3．1客观原因 - 5 - 3．3．2主观原因 - 7 - 4．国家助学贷款信用评估 - 8 - 4．1国