国家助学贷款信用风险预警指标体系的构建与应用

Construction and Application of Forewarning Index System of National Student Loans Credit Risk

结合广发银行江门分行助学贷款的实际情况,对助学贷款信用风险预警指标体系进行了探讨.运用德尔菲方法和熵值法建立了国家助学贷款信用风险预警指标体系和信用评估方法,并进行了实际应用尝试,收到了良好的预警效果.

With the actual situation of national student loans of GuangFa Bank Jiangmen branch,a credit risk index system of national student loans is discussed.Using the Delphi method and the entropy method,a forewarning index system for the national student loans credit risk and a credit evaluation method are established,which can be applied practically,and the forwarning results are better.