基于层次分析方法的助学贷款风险评价

Risk evaluation of student loans from commercial bank based on analytic hierarchy process

针对我国商业银行助学贷款的风险问题,应用层次分析方法,通过对我国商业银行助学贷款风险评价指标权重的计算,得出商业银行助学贷款风险权重由大到小的排序为信用风险、政策风险、管理风险和环境风险.最后提出了规避商业银行助学贷款风险的对策.

Aimed at the risk problem of student loans from commercial banks in China,the analytic hierarchy process is used to evaluate its risk by calculating the index weight.Results show that the credit risk is the most important one,then the policy risk,the management risk and the environment risk.The strategies to avoid the risk of student loans from commercial banks in China are put forward as well.