An Empirical Study On The Default Of Credit Student Loans For College Students

Student loans as the only one of the paid funding model,since the implementation of the pilot in 1999 to 2008 in the country to promote the source of credit student loans,the cumulative amount of more than 40 billion yuan,making more than four million students benefit The Student loans interest-free security,indirect financial poverty alleviation,an effective solution to the problem of education and other problems,is the most complex and the most research value and explore the significance of the funding model.The emergence of student student loans is based on the theory of educational equity,human capital theory and cost sharing theory,how to subsidize finance,how students repay,how students default,how to make student loans more sustainable development and other issues is the need for immediate attention and thinking.The problem of post-loan management of student loans directly affects whether student loans can continue to be effective,and "default" is the most important issue for loans.The frequent occurrence of default,to some extent affected the enthusiasm of banks to issue loans,while the decline in personal integrity,and ultimately will affect the healthy and healthy development of society,so how to avoid the root causes of student loans is the primary problem to solve the problem TheIn the third chapter,taking X County in Shaanxi Province as an example,on the basis of reading a large number of relevant literatures and elaborating the relevant policies,this paper uses a variety of research methods,through field investigation,Of the first-hand information to conduct a detailed analysis,the main reasons for the repayment of the default are:the relocation of residence,it is difficult to get in contact;students repayment ability is weak,other heavy burden;natural disasters,insecurity accidents and other accidents lead to death or loss Labor force;loan students lack of sense of gratitude,malicious denial,arrears do not;policy propaganda is not in place;repayment time node conflict led to the loan object can not repay in time.In the fourth chapter,the main factors of the object of repayment object are analyzed,according to the degree of the following:the amount of credit,post-graduation income,gender,age,parental education,college type,account location,Capacity and income,the amount of credit,the five new variables basically contain all the information of the original variable,but also to avoid the original variables between the original variable Multi-collinearity problem,further combined with the research hypothesis and the status quo found in the distribution of default objects,the overall presentation of older,the potential repayment ability is low,the family economicsituation to be improved,the university is relatively poor,Section and policy advocacy efforts is the greater the intensity,the lower the default rate.In order to prevent the occurrence of default,reasonable and effective to improve the loan recovery rate,reduce the non-performing loan ratio.In the fifth chapter,according to the specific reasons and influencing factors of the analysis,the relevant path of the problem is given:do the pre-loan investigation,strictly define the poverty standard;strengthen the honesty education,improve the students' quality;establish the post-loan supervision network;Breach of contract disciplinary efforts to expand the policy propaganda,innovation and repayment of the way;after the assessment of the object of loans to determine whether to renew the loan;adjust the repayment time node.