国家助学贷款项目风险管理分析-项目管理专业论文.docxVIP

国家助学贷款项目风险管理研究 摘 要 国家助学贷款项目是党中央、国务院利用金融手段资助家庭经济困难学生 上学难、上不起学的问题所采取的一项重要措施，是在我国高等教育制度改革和 扩招的背景下提出来的。作为贷款方银行是在政府的各种政策、行政指令下实施 的，它是一种教育消费与信用贷款。学生在校期间利息全部由政府负担，毕业后 的利息由学生承担。贷款政策规定还款期限为从毕业后开始算六年还清。但由于 目前我国经济发展不均衡，整个社会道德观、价值观的下降，贷款风险分担机制 不合理，贷款管理制度设计的缺陷，财政投入的不足，还贷管理工作的滞后以及 高校、学生自身方面等多种因素使助学贷款的还款违约率一直居高不下 ,甚至高 于商业贷款的违约率，因此国家助学贷款项目的违约风险成为政府、银行乃至高 校都在关注的问题。 本文以如何控制国家助学贷款项目风险为主要研究对象，论述了对国家助学 贷款项目进行风险管理的必要性，并对各种风险因素进行分析，提出了国家助学 贷款项目风险管理指标体系的构建步骤及内容。然后，运用德尔菲法和层次分析 法确定了国家助学贷款项目风险管理的指标体系、指标权重，并把权重转换为百 分制的权数，相应的计分标准。为有效控制国家助学贷款项目的违约风险，使国 家助学贷款项目朝着良性循环的轨道运行，本论文从政府、银行、高校和学生等 方面提出了相应的风险应对策略和建议,证实了国家助学贷款项目违约率得到了 有效的控制。 关键词：国家助学贷款项目；风险管理；层次分析法 Research on Risk Management of State-Subsidized Student Loan Program ABSTRAST State-subsidized student loan program is a kind of the policy in ordinary college funding system formulated by central committee and state council under the socialist market economy condition, is a major measure using financial means to aid students who have economic difficulties in ordinary universities. State-subsidized student loan program is essentially a kind of education consumption and credit for college students issued by banks in governments policies and administrative directives. State-subsidized student loan program policy is inconsistent with the objectives of commercial banks. All the interest of students during school time is borne by the government, and then it is burdened by the students themselves after graduation. Repayment period is six years after graduation. However, currently the downturn environment of the market economy, the moral decline of the concept of values, unreasonable loan risk-sharing mechanism, flaws of loan management system design, lack of financial investment, hysteresis of loan management and other kinds of factors involved in colleges and students themselves makes the repayment of student loan default rate become high, even higher than the commercial loan default rates. Therefore the State-subsidized student loan default ri