基于改进模糊算法的大学生征信评级模型探讨

Credit Rating Model of the University Students Based on Improved Fuzzy Algorithm

自1999年我国商业银行开展高校助学贷款业务以来,我国助学贷款的违约率一直居高不下,其发展遭遇到了巨大的信用瓶颈。故本文设计了基于改进模糊算法的高校助学贷款信用评级模型。通过对湖南大学、中南林业、湖南财专、湖南涉外四所高校开展调查问卷,取得了172个贷款学生的样本,然后应用此模型对其进行了信用评级。通过实证分析,得出了低信用评级学生状况与学生违约状况基本吻合的结论,同时探讨了对学生信用评级有重大影响的因子,并在文章的最后为商业银行助学贷款的风险控制提出了相应的政策建议。

Since 1999, China＇s commercial banks began to carry out college student loan business, but the student loan default rate has always been high, leading to the development of our student loans facing huge credit bottleneck. Therefore, this article built a model of college credit rating system rising an improved fuzzy algorithm, credit rated and analyzed the loan student using this model, from the evidence, we know that the situation of the student loan credit is grim and the model need to be applied to commercial banks for student loans, and proposaled a large number of policy, hoping China＇s commercial banks can control the source of the risk of our student loans using this model.