大学生助学贷款的信用评估

The Positive Study on Credit Valuation of National Students’ Loan

国家助学贷款违约现象屡见不鲜,鉴此,科学选择大学生助贷信用行为的评估指标,合理评估助学贷款信用,有效防范助学贷款风险尤显重要。文章结合现有商业银行可获取的相关数据,应用因子分析法与Logistic回归法相结合,建立起较为理想的信用评估模型,解决了单纯Logistic回归法的变量多重共线性问题,同时又较好地分析了影响学生助贷信用行为的因素,为银行防范助学贷款风险提供依据。

The phenomenon of default of national students＇ loan has often been disclosed and discussed in newspapers. It is very important to choose an index system for the judgment of university students＇ credit effectively in order to avoid loan risks. This article uses the related datum that are obtainable from some commercial banks, combining the factor analytic method and logistic recursive method, and establishes a more ideal credit valuation model, resolves the problem of common linear variable that results from the pure logistic recursive method, analyzes the factors that influence students＇ credit behavior and provides a basis for banks to avoid loan risks.