Studies On Management System Of National Government Subsidized Loan-With The Analysis Of Credit Risks

With the development of the high educational system reform, the enlarging enrollement and the high expenses on high education make the number of poor students increase rapidly in the universities. In order to release those students from economic pressure and realize the equality of education, our country has started the national government subsidised educational loan since 1999. National government subsidized loan is a policy initiated by the national government and supported by provencial and local governments. By bidding, the commercial bank is set to offer loan to the poor students. In the past nine years, the policy has adjusted several times, but it seems still unsatisfactory.The national government subsidized loan policy carried out in late 90s has made some efforts on high education, however, studies on management system of national loan policy are few due to credit risks. Therefore, this paper is going to study the management system of government subsidized educational loan on a theoretical basis, analyze the current situation and existing problems of the policy and explore the specific reasons of the credit risks of the loan policy Recommended by the experience of reducing risks of students'credit risks of foreign countries, the paper put forward suggestions on management system in terms of government, universities, banks and students.