1. Study on the prevention of student loan credit risk

How to prevent student loan risk

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National Student Loan: Does Finance Take the Risk Subject? —— The third special audit investigation of student loan in Changsha

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Do a good job in preventing the risk of student loan

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A: collect relevant information of students who borrow from national student loans by using the academic record inquiry system of college graduates, and accept the personal credit inquiry system of the handling bank for students of loan colleges? C: The public security department will first renew the second-generation citizenship code for students in colleges and universities all over the country, make it unique for life, and harmonize their residential addresses? D: commercial banks establish personal credit files of students with national student loans and bring them into electronic system management, so as to realize that schools and banks

3. What are the main risks of banks issuing national student loans and how to prevent them? Please use the dialectical point of view to analyze the role and risk of student loans < P > Dialectical point of view?

Of course, the main risk is to intentionally or unintentionally make loans overdue.

1. Everything is universally related. There may be natural and man-made disasters, there may be credit risks, and there may be national system reforms, which will eventually make loans risky;

2. The law of unity of opposites. Student loans can increase bank deposits (risk compensation) and the number of loans, and also have a social impact on the reputation of the handling bank, which can promote it. However, student loans are also high-risk varieties, which will reduce the quality of bank assets if they are not well controlled.

3. the law of mutual change of quality. Student loan is a process of qualitative change caused by quantitative change. Proper operation will improve the bank's assets and reputation, while improper use will bring huge losses.

4. Dialectical negative view. The general trend of the development of things is forward and upward, but the road is tortuous. The same is true for student loans. It takes a long time to improve the overall quality from a large number of bad loans at the beginning.

5. Relative and absolute. For student loans, the increase of non-performing loans is only a short-term and relative process, which cannot be achieved overnight, and it is only a part, and most risks can be controlled;

6. Unity of two-point theory and key theory. The positive role of the student loan is the main contradiction, and the risk is the secondary contradiction. Although the risk of the student loan is very large, it can be controlled by binding the borrower, increasing the risk compensation and binding the account.

fourth, what does the aid fund mean?

The student aid fund is actually a low-interest loan from the state to help poor students complete their studies.

You need to repay it regularly when you leave school.

The student aid fund is run by the state and bears the risks.

The fund we usually buy is that investors entrust the funds to the fund custodian (that is, qualified banks), and the fund manager manages and uses the funds to invest in financial instruments such as stocks and bonds, and then * * * bears the investment risks.