Study On Student Loan Risk Management Based On Game Theory

Student loan is a policy oriented loans, to help poor students complete their studies successfully. At the present stage of our country student loans mainly has four forms:interest free loan of national student loan, the general businessloans, business credit loans and higher education by national finance to student management. Among them, the state-owned banks run of national student loanfunding efforts and the scale is biggest, is the main form of student loan. Over the years, with the expansion of enrollment scale becomes larger, the student loan poor college students is increasing constantly, the student loan fund scale.With the loan scale is continually expanding, defaults are also greatly increasedbrings, credit risk becomes more and more obvious. College students honesty consciousness is the main cause of the student loan default rate high. Loanrepayment depends on the voluntary college students after graduation, the lack of supervision and constraints of all the social nature and effective mechanism ofstudent loans, resulting in the lack of honesty and malicious breach of contractand other issues outstanding performance. Cause of college students have"borrowed" no "reason" the lack of honesty and credit is not only the lack of supervision of action for student loans, the main reason is compared to thedefault owing on the loan in full and on time, net income can give the poor college students bring the reality of breach of contract. These conditions are verysuitable for the application of theory to analyze the game. This paper takes Yunnan province’s largest student loan for Yunnan branch of ABC bank loans as an example, through the game theory to establish the static game model is analyzed for student loans student loan repayment, and then set up the model of the repeated game on student loans will reach equilibrium realization reinsurancenano silver line, students to maximize the interest of all parties, namely the gameparties risk minimization, and based on the static game model and repeated game model on the present situation of Yunnan branch of ABC bank risk management and related suggestions. At the same time, put forward reasonablesuggestions on the management of the ABC bank Yunnan branch to the futurestudent loans, and provide valuable reference for student loans plight ofdigestion.