Risk Of National Student Loan Credit

Firstly, the national student loan credit risk index system is studied theoretically in this article, and then combined with the actual situation of Jiangmen branch of the broad issue of student loans, this article establish the student loan credit risk index system and credit evaluation method using Delphy method and entropy method.The results of the empirical analysis show that the credit evaluation method has good classification results. On the basis of the above research, this paper studies the advantage of the multiple classifiers ensemble model and the base classifiers choosing and fusion method, and discusses the principle and advantage of Bias fusion method and the fuzzy integral method in detail. Finally, this paper tests the data of the Jiangmen branch of the broad issue of student loans, and analyses the classification and prediction results of single base classifier and multiple classifier integration model. The results show that the effects based on the integration of multiple classifier fusion method and Bayesian model and support vector machine model and uzzy integral method are very good.This paper can be divided into five parts.The first part describes the present situation of the student loan early forewarning problem, and analyzes the importance to the sociality, the bank and the students of student loan early warning and the necessity of the further research. The second part, based on extensive reading of relative literatures, combined with the actual situation of issue of the Jiangmen branch of student loans, establishes the national student loan credit risk index system and credit evaluation method using Delphy method and entropy method. The third part introduces the advantage of multiple classifiers integration model and the base classifiers and fusion methods, discusses the principle and advantage Bias fusion method in detail, and use Jiangmen branch of the broad issue of student bans data to test and verify the model The fourth part discusses the principle and advantage of fuzzy integral method in detail, and uses the bank loan data to test and verify the model. The fifth part mainly summarized the above several aspects of the study results and corresponding conclusion and policy suggestions.