Study On The Before And After Loan Management Of National Student Loan Operation In Guangdong Province

Guangdong Province university student loan has played a tremendous role in helpingpoor college students to complete their studies and realized the education fair successfully.College student loan management work plays a very important role on college studentsloan issue, recovery and reuse. But with the loan scale continues to expand, variousproblem of Guangdong Province university student loan constantly emerging, mainlyincluding: loans mode is single, college student loans evaluation indexes are defects, riskcompensation design unreasonable; the before loan work has a problem of standards arefuzzy, between the loan work, many colleges reluctant to lend, university takes the mainresponsibility of management after loan, the loan recovery is more difficult. Theseproblems have been reflected in Guangdong University of Finance student loans work, andsome problems even more serious, such as the reluctant to lend. These independentproblems are complexity and influence each other. But to be sure, the existence of theseproblems is not conducive to Guangdong Province college student loans sustained, healthydevelopment.Based on the learning of Guangdong Province university student loan policy, takeGuangdong University of Finance student loan as the research emphasis and breakthroughpoint, This paper mainly uses the literature, interviews methods to study on the GuangdongProvince university student loan problems,analized the incentives of the problems. Thispaper takes United States, Japan, Holland and other countries advanced experience forexample, aiming at the existing problems and put forward the following countermeasures:1st, the government should formulate an effective repayment policy, establish third partyguarantee mechanism, and set up loan recovery agencies, to establish a complete, scientific,dynamic assessment system;2nd, the banks should establish and improve a creditmonitoring network covering the whole province, and make the loan write-off procedures,reduce the university management press;3rd, the University should provide good serviceto the poor students and improve the poor students identification standard, strict beforeloan review, make student loan knowledge popularization, integrity gratitude education andcollect loans graduates first employment information than submit to the bank.The study found that, in order to completely solve the problems must follow theprinciples of establishing long-term sustainable,"Students-University-Banks-Loan graduates employment location" multi-party interaction management mechanism, so, canmake the Guangdong Province high school student loans more healthy, scientific,sustainable development...