基于灰色关联的国家助学贷款学生信用评价

Application of gray relational analysis to evaluate credit of university students' loan

将灰色关联分析法运用于国家助学贷款学生信用评估中,建立了影响贷款学生信用因素的指标体系和评估模型,并以某校几位申请贷款的学生为例阐述了应用该模型进行国家助学贷款学生信用评估的基本步骤,结果表明:该方法具有一定的实用性,同时该模型也适用于其他指标评价的问题中。

The article uses the gray relational analysis method to evaluate the university students＇credit evaluation and sets up an evaluation index system of university students＇credit loan. A gray evaluation model, based on the gray-system theory,was built to do it and the basic procedures of cost evaluation were pointed out. This paper presents the evaluation method by giving an example. The result shows that the method is accurate and practical and the model can also be applied to other multi-purpose evaluation.