Internet financing in China has been developing rapidly in China.Recently,college students start to be one of emerging target group of internet consumer financing services.However,college students' credit has not ...Internet financing in China has been developing rapidly in China.Recently,college students start to be one of emerging target group of internet consumer financing services.However,college students' credit has not been fully taken account yet.This paper aims at contributing to making a step for solving this issue.In this paper,a credit fraud evaluation model is developed using a university' s students ' grade and campus consumption data.A logistic regression model is trained with the students' grade and daily consumption data.The features of the model with stepwise regression methods are selected.And this model achieves that the paper predicts the students' fault rate accurately.展开更多
To find out graduates' repayment awareness of student loan,we conducted a questionnaire survey for those graduates who applied for student loan in Zhongkai University of Agriculture and Engineering.The survey has ...To find out graduates' repayment awareness of student loan,we conducted a questionnaire survey for those graduates who applied for student loan in Zhongkai University of Agriculture and Engineering.The survey has following results.First,the national student loan plays an important role in assisting poor students in finishing their study.Second,graduates value social function of personal credit.Third,trustworthiness education activities carried out by colleges and universities are effective.Fourth,economic income is a major factor of graduates repaying capital with interest.Fifth,bank's student loan management system is not perfect.Sixth,the national student loan system remains to be improved.In line with these results,we put forward five countermeasures and suggestions:strengthen the trustworthiness education of students;standardize the credit investigation management of students' personal credit;establish student information management mechanism;standardize banks' payment reminder administration behavior;and perfect national student loan system.展开更多
基金Fundamental Research Funds for the Central Universities(Tongji University)Interdisciplinary Project,China(No.0800219311)
文摘Internet financing in China has been developing rapidly in China.Recently,college students start to be one of emerging target group of internet consumer financing services.However,college students' credit has not been fully taken account yet.This paper aims at contributing to making a step for solving this issue.In this paper,a credit fraud evaluation model is developed using a university' s students ' grade and campus consumption data.A logistic regression model is trained with the students' grade and daily consumption data.The features of the model with stepwise regression methods are selected.And this model achieves that the paper predicts the students' fault rate accurately.
文摘To find out graduates' repayment awareness of student loan,we conducted a questionnaire survey for those graduates who applied for student loan in Zhongkai University of Agriculture and Engineering.The survey has following results.First,the national student loan plays an important role in assisting poor students in finishing their study.Second,graduates value social function of personal credit.Third,trustworthiness education activities carried out by colleges and universities are effective.Fourth,economic income is a major factor of graduates repaying capital with interest.Fifth,bank's student loan management system is not perfect.Sixth,the national student loan system remains to be improved.In line with these results,we put forward five countermeasures and suggestions:strengthen the trustworthiness education of students;standardize the credit investigation management of students' personal credit;establish student information management mechanism;standardize banks' payment reminder administration behavior;and perfect national student loan system.
