| In recent years,with the development of economy,the consumption scale of college students is constantly increasing,and the phenomenon of college students’ advanced consumption is more common.However,there are few products that can meet the loan needs of this specific group in the market.Especially after campus online loan products caused a series of adverse consequences,the government has issued regulatory policies in succession.Until March 2021,small loan companies and non-licensed institutions were prohibited from granting loans to college students.However,a one-size-fit approach for campus loans cannot effectively eliminate it.Banks should actively respond to develop campus loan products,which are suitable for college students.This paper takes D Branch of ZG commercial bank as an example,starting from the research background and significance,after studying the relevant literature of domestic and foreign scholars on national student loans and campus loans,combined with the relevant theories of loan pricing and risk management and the actual situation of colleges and universities in region D,this paper gives the design scheme of E-loan product,the product positioning,design concept and application process are introduced in detail.Then combined with the cost plus pricing method,base interest rate plus method,RAROC pricing method to study the loan pricing,using quantitative and qualitative methods to analyze the income of E-loan.Using literature research and experts interview to identify the risk of E-loan,which is credit risk,loan repayment ability,university management risk and local education authority management risk.Using fuzzy analytic hierarchy process and Delphi method,the risk system of E-loan products and the fuzzy consistent matrix of each risk index are constructed,and the weight of risk is determined.Finally,according to the identified risk,the risk control measures can be implemented through the combination of bank,government and school. |
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