基于非平衡数据挖掘理论的国家助学贷款风险管控体系研究

Research on Risk Management and Control of National Student Loan System Based on Imbalanced Data Mining

针对国家助学贷款中学生信用缺失及其引发的贷款风险这一重要议题,借助非平衡数据挖掘技术与方法,构建了基于非平衡数据挖掘理论的国家助学贷款风险管控体系。对于新形势下有效规避学生贷款拖欠现象、减小国家助学贷款风险、保障我国国家助学贷款工作持续、健康、稳定发展具有积极的意义。

For issue of students lack in credit and load risk produced by those who are funded by national loan,we construct a national student loan risk control system in imbalanced data distribution environment with the help of imbalanced data mining technology and methods.More importantly,under the new situation the system can validly avoid students loan defaults and thus reduce the national student loan risk such that it will render national student loan sustained,healthy and stable in the long run.