Analysis Of The Application Intention And Default Factors Of National Student Loan Of Higher Vocational Colleges

National Student Loan is an important means to solve the poverty of students, now it has become an important funding system for Chinese education system. Tourism College of Zhejiang China carry out national student loan services for many years. But the current implementation point of view, mainly the following two issues:the will of the national student loan gradual decline, countries with high student loan default rates. So this paper makes an empirical analysis to solve the above problems.In this thesis, firstly, the background of the study and related concepts are cleared, domestic research status is introduced; then the problems of national student loan are analyzed by main qualitative and quantitative analysis, including loan application intention factors analysis and default risk factors analysis; the according to the actual analysis results, finally t some specific measures and suggestions are put forward.(1)Analysis of the influencing factors of the willingness to apply for the national student loan. In this thesis, based on the previous experience and the relevant scholars,11 hypotheses are put forward. the 5 hypotheses are proved, and the measures to improve the willingness of applying for loan are put forward according.(2) Analysis of the national student loan default factors. Six basic assumptions are proposed to verify, with the nearly five years of repayment empirical analysis of sample data. The two assumptions are met; at the same time the limitations of actual default data factor analysis are considered, so students, teachers (school), banks are conducted field interviews, research on the default factors whole perspective. Based on the results of these two aspects, appropriate measures are proposed to reduce the risk of default.Through the theoretical study in this paper, by means of data analysis, some constructive suggestions are provided for the national loan mechanism, further development of the education fair are contributed, promoting social and economic reform are contributed, our student loan system are improved, and ultimately the development of education in our country are promoted.