Analysis Of Student Loan Delinquency

Since the beginning of the 20th century, more and more people have access to higher education. This repayment of student loans of commercial banks, money problems swallowing study, Confirmed by research in the current system of national student loan repayment arrears problem is widespread. Student loan repayment arrears to commercial banks not only adversely affect the operation, but also hamper the commercial banks need to borrow money for other student work.The existence of reality must have its own internal reasons. Based on the study based on the operation of commercial banks to government, commercial banks, universities, students fully understand each other; strategic approach to the premise of the analysis limited to the state of communication in the information completely, using models of this national student loan default in payment credit analysis of a particular environment. This paper argues that national student loan default in payment of credit loss in the presence of students a variety of factors working together when the results can be summarized as the following:First, the social credit environment, lack of credit loss is funny one of the reasons students. Second, the job market for more than the low rate of employment to be caused by lack of credit is the reason; Again, groups of students within the university status also contributed to the lack of credit students in national student loan default in payment of reasons. Finally, our national student loan policy is simple and crude one of the major reasons for lack of credit.View of this, combined with theoretical study and practical research, economic analysis by the method of combining student loans from the limitations of the system environment, the credit analysis, based on the Bank; development strategy and work closely with the actual needs,Student Loans made specific methods of credit analysis, applied analysis of the results, further evidence of student loans based on credit analysis, in arrears to improve the adaptability and realism.This problem based on student loan default study credit points to theory-based, comprehensive student loan delinquency based credit analysis for commercial banks to build a new model to solve the problem, Strive to be able to provide enough of a stable commercial banks, planned, organized combination of theoretical and operational nature in the form of student loans in order to improve the repayment rate of commercial banks to enhance the competitiveness of commercial banks. In short, this article hopes to repay student loans owed to the credit analysis of research on student loans repayment of defaulted commercial bank issues and practice the theory of some reference work, Strengthen our consciousness of college students credit, trust in the absence of inhibition in the bud...