文档介绍：摘要本文基于我国国家助学贷款的发展现状,运用一般风险管理理论,采用规范与实证分析相结合、定性与定量分析相结合的方法,对国家助学贷款风险管理问题进行了比较系统性的研究。主要目的在于探讨研究能够有效控制贷款风险的措旋有哪些,以期能够为政府、银行等部门在解决国家助学贷款风险问题上提供一定的理论参考。本文主要内容包括四个部分。首先。对助学贷款相关理论以及在我国的实践历程进行了分析说明,并对当前我国国家助学贷款的风险及其管理现状进行了较为系统性的分析和总结。其次, 着重从国家助学贷款政策设计、运行过程、外部环境三个方面对国家助学贷款的风险成因进行了分析和查找。第三,对如何对国家助学贷款信用风险的大小进行事前评估进行了研究。在借鉴国内外信用风险评估方法基础上,充分结合大学生自身特点,选取了若干与学生未来还款意愿和还教能力相关的因素,构建了大学生信用评价指标体系,建立了国家助学贷款信用风险评估模型, 并对其适用性进行了初步的证实。最后,从完善现行助学贷款模式、调整现行政策、探讨助学贷款其它形式、分析政府责任等角度提出了一系列防范和控制国家助学贷款风险的措施。关键词:,信用风险评估,风险控制 Basing oildevelopment actualitiesofnational student loanin our country,I have used theclassical riskmanagement theory,and adopted normative andpositiveanalysis method,qualitative analysis and quantitative analysis method ate,and studied thequestion On nalional student loanrisk management study purpose mostly insearchofmeasures tocontroleffectively theloan risk, and tosupply some theory refer∞lces tothegovernment and banksdeportments眦. Thethesiscontists offourmain thefirstpart,Iintroduced some theories about studentloan andanalysed practicecou脯in ourcountry,and then summarized theriskand management actualitiesaboutnationalstudent loanmore the second part,Ianal删and researched loan risk catlse of formation,mainly from thepolicy design,practice course and external environment threeespd,- the廿drd how toevaluate the creditriskofnational student the creditriskevaluation methods home and aboard,considering fully the academician’s characteristics,I chosedSome factorscorrelative on their futurerepaymem inclination and ability,and constructed an index system toevaluate academician creditand builtanevaluation model,and primariely approved theend,I advanced aseries ofmem'tuers toke印 away and control thenational studentloanrisk,mostly from fouraspects,namely,perfecting current national student loanpattern,adjusting current policy items,studying otherloan forms andanalysing government re