【摘要】：國(guó)家助學(xué)貸款是一項(xiàng)“功在當(dāng)代,利在千秋”的事業(yè),這項(xiàng)業(yè)務(wù)的開展在我國(guó)時(shí)間不到20年。由于我國(guó)國(guó)家助學(xué)貸款一開始便體現(xiàn)了一種自上而下的行政推動(dòng)過程,不像發(fā)達(dá)國(guó)家的助學(xué)貸款那樣基本上是市場(chǎng)發(fā)展的自然結(jié)果,因此在發(fā)展過程中,其隱含的矛盾也隨之曝露,其中信用風(fēng)險(xiǎn)問題尤其突出,研究具有重要意義。 本文除了導(dǎo)論外,主要內(nèi)容包括以下幾個(gè)部分： 第一部分即第二章,這是相關(guān)理論基礎(chǔ)和國(guó)外經(jīng)驗(yàn)。首先對(duì)國(guó)家助學(xué)貸款的概念及其特征進(jìn)行了界定；重點(diǎn)運(yùn)用道德風(fēng)險(xiǎn)理論對(duì)國(guó)家助學(xué)貸款存在信貸風(fēng)險(xiǎn)的機(jī)理進(jìn)行了分析,介紹了風(fēng)險(xiǎn)管理的基本過程和主要策略；最后介紹了美國(guó)、澳大利亞、日本開展國(guó)家助學(xué)貸款的成功經(jīng)驗(yàn)。 第二部分即第三至第六章,是國(guó)家開發(fā)銀行廣東省分行國(guó)家助學(xué)貸款風(fēng)險(xiǎn)管理全過程的案例分析,也是全文的重點(diǎn)。其中：第三章梳理了國(guó)家開發(fā)銀行廣東省分行國(guó)家助學(xué)貸款發(fā)展歷程,利用風(fēng)險(xiǎn)識(shí)別理論結(jié)合國(guó)開行的實(shí)際情況,提出了國(guó)家開發(fā)銀行廣東省分行助學(xué)貸款的風(fēng)險(xiǎn)識(shí)別過程與步驟。第四章依據(jù)模糊綜合評(píng)價(jià)理論,結(jié)合各位專家的意見與建議,建立了適用于國(guó)家開發(fā)銀行的分析綜合評(píng)價(jià)模型,將大學(xué)生信用風(fēng)險(xiǎn)評(píng)估指標(biāo)體系中眾多影響信用風(fēng)險(xiǎn)評(píng)級(jí)的因素歸納為三個(gè)層面共18個(gè)指標(biāo)。并隨機(jī)挑選學(xué)生,利用本文所建立的模糊評(píng)價(jià)模型進(jìn)行評(píng)測(cè),依據(jù)最大隸屬度法則,對(duì)學(xué)生信用等級(jí)進(jìn)行評(píng)定,提供給國(guó)家開發(fā)銀行予以參考。第五章依據(jù)上述風(fēng)險(xiǎn)識(shí)別與評(píng)價(jià)的結(jié)論,針對(duì)生產(chǎn)流程分析法中的每一個(gè)步驟提出了相應(yīng)的風(fēng)險(xiǎn)應(yīng)對(duì)策略。認(rèn)為降低助學(xué)貸款風(fēng)險(xiǎn)措施應(yīng)該貫徹整個(gè)助學(xué)貸款的三個(gè)階段即貸款前、貸款中、貸款后,提出了各階段相應(yīng)的降低風(fēng)險(xiǎn)的措施。助學(xué)貸款發(fā)放前的防風(fēng)險(xiǎn)工作主要包括：嚴(yán)格各層次的借款資格審核,提高對(duì)申請(qǐng)學(xué)生及家庭真實(shí)信息的了解程度,提高信用貸款宣傳工作的效果；貸款期間的管理工作主要包括：對(duì)學(xué)生進(jìn)行品德教育和開建學(xué)生的信用檔案；對(duì)貸款學(xué)生畢業(yè)后的管理控制包括：完善學(xué)生的個(gè)人信用檔案,制定還款計(jì)劃和督促學(xué)生還款等三項(xiàng)內(nèi)容。第六章從國(guó)家開發(fā)銀行廣東省分行的角度出發(fā),提出了關(guān)于完善國(guó)家開發(fā)銀行廣東省分行助學(xué)貸款風(fēng)險(xiǎn)管理監(jiān)控的措施。國(guó)家開發(fā)銀行廣東省分行助學(xué)貸款風(fēng)險(xiǎn)監(jiān)控主要涵蓋了四個(gè)方面的內(nèi)容,分別是：國(guó)家助學(xué)貸款學(xué)生個(gè)人信用信息查詢系統(tǒng)的建立與完善,國(guó)家助學(xué)貸款的償還機(jī)制的改進(jìn),國(guó)家助學(xué)貸款的法律制度的完善和建設(shè)合理有效的操作流程,以及國(guó)家助學(xué)貸款的風(fēng)險(xiǎn)分擔(dān)機(jī)制的建立。 第三部分即第七章,是對(duì)全文的總結(jié)和進(jìn)一步研究展望。 本文的特色和創(chuàng)新之處是：從國(guó)家助學(xué)貸款提供者即國(guó)家開發(fā)銀行的視角,運(yùn)用現(xiàn)代經(jīng)濟(jì)學(xué)的前沿理論即信息經(jīng)濟(jì)學(xué)中的道德風(fēng)險(xiǎn)理論以及現(xiàn)代管理學(xué)中的風(fēng)險(xiǎn)管理的基本過程,系統(tǒng)分析國(guó)家開發(fā)銀行廣東省分行助學(xué)貸款風(fēng)險(xiǎn)管理全過程中的風(fēng)險(xiǎn)識(shí)別、風(fēng)險(xiǎn)評(píng)價(jià)、風(fēng)險(xiǎn)應(yīng)對(duì)和風(fēng)險(xiǎn)監(jiān)控。這在現(xiàn)有研究成果中還是比較少見的,也是本文的主要?jiǎng)?chuàng)新。
[Abstract]:National student loan is one "In the present day, Li is in Qianqiu." The cause of this business is less than 20 years in our country. Since the beginning of China's state-subsidized student loan embodies a top-down administrative push process, which is not basically the natural result of market development as the student loan of developed countries, the implicit contradiction in the development process is exposed accordingly. The credit risk problem is especially prominent, and the research is of great significance. In addition to the introduction, the main contents include the following: Part One: Part One, Chapter 2, which is the foundation of the relevant theory First of all, the concept and characteristics of national student loan are defined; the mechanism of credit risk of national student loan is analyzed with moral hazard theory; the basic process and main strategy of risk management are introduced; finally, the United States is introduced. National Student Loan in Australia and Japan The second part, namely, the third to the sixth chapter, is the case analysis of the whole process of the national student loan risk management in the branch of Guangdong Branch of the State University of China. It is also the focus of the full text, in which: The third chapter reviews the development course of the national student loan in the branch of Guangdong Branch of the State University of China, and makes use of the theory of risk identification in combination with the actual situation of CDB, and then puts forward the wind of the student loan in the branch of Guangdong Branch of the State University of China. In the fourth chapter, based on the theory of fuzzy comprehensive evaluation, combining the opinions and suggestions of experts, this paper establishes a comprehensive evaluation model suitable for the development of the national economy, and summarizes the factors which influence the credit risk rating in the evaluation index system of the credit risk of the university students. At the same level, 18 indexes were selected. The students were randomly selected and evaluated by using the fuzzy evaluation model established in this paper. According to the law of the maximum membership degree, the credit rating of the students was assessed and provided to the country. The fifth chapter is based on the conclusion of the above-mentioned risk identification and evaluation, and puts forward the phase for each step in the process of production flow analysis. The risk response strategy should be implemented. It is suggested that the risk measure to reduce the student loan should carry out the three phases of the whole student loan, namely, before the loan, the loan, and the loan, and put forward the corresponding stages. Measures to reduce the risk. The risk prevention work prior to the granting of student loans mainly includes the review of the loan qualification at all levels, the improvement of the understanding of the application of the real information of the students and the family, the effect of improving the publicity work of the credit loan, and the period of the loan. The management work mainly includes: carrying out quality education for students and opening up the credit files of students; managing the management control after graduation of the loan students; perfecting the personal credit files of the students, and making repayment plans and supervision and supervision. Chapter 6, from the point of view of the branch of Guangdong Provincial Branch of the State Administration of Taxation, proposes the improvement of the student loan wind in Guangdong Branch of the State Bank of China. Measures for monitoring and monitoring of risk management are mainly covered in four aspects: the establishment and perfection of personal credit information inquiry system of national student loan student and the national student loan. The improvement of the repayment mechanism, the perfection of the legal system of the national student loan and the reasonable and effective operation flow, as well as the wind of the national student loan The establishment of the risk-sharing mechanism. The third part, Chapter 7, is the full text. The characteristics and innovation of this paper are: from the perspective of the national student loan provider, namely, the national development view, using the front theory of modern economics, the moral hazard theory in the information economics, and the modern The basic process of risk management in management is to systematically analyze the risk identification in the whole process of student loan risk management in Guangdong Branch of the State University of China. Risk assessment, risk response, and risk monitoring. This is still a comparison of existing research results
【學(xué)位授予單位】：陜西師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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