| 影响助学贷款还款意愿的因素分析 |
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| 引用本文： | 赵健. 影响助学贷款还款意愿的因素分析[J]. 新乡学院学报(自然科学版), 2010, 27(3): 17-20 |
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| 作者姓名： | 赵健 |
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| 作者单位： | 中南财经政法大学,统计与数学学院,武汉,430074;黄淮学院,经济管理系,河南,驻马店,463000 |
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| 基金项目： | 河南省教育科学"十一五"规划重点课题 |
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| 摘 要： | 在传统的信用风险管理＂5C＂原则基础上,利用Logit模型,分析了贷款者个体特征对其还款意愿的影响,发现了贷款者的性别、家庭收入状况、家庭人口量和专业方向是影响还款意愿的重要因素。认为加强对贷款学生的诚信教育、培养学生就业能力、拓展学生的就业渠道是降低助学贷款信用风险的主要措施。
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| 关 键 词： | 助学贷款 信用风险 还贷意愿 Logit模型 |
To Analyze Influencing Factors of the Repayment Aspiration |
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| ZHAO Jian. To Analyze Influencing Factors of the Repayment Aspiration[J]. , 2010, 27(3): 17-20 |
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| Authors: | ZHAO Jian |
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| Affiliation: | ZHAO Jian (1.School of Statistics and Mathematics,Zhongnan University of Economics and Law,Wuhan 430074,China;2.Department of Economics and Management,Huanghuai University,Zhumadian 463000,China) |
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| Abstract: | In this paper,the author made a Logit model to analyze probabilities whether a state educational loan borrower return his loan.This analysis is based on the traditional credit risk management.From the model,the author found that the borrower＇s gender,family income,family population and major were main factors when the student wants to pay back the loan.In order to reduce credit risk of state educational loans,we should strengthen the honest integrity of students,improve their employability and expand employment channels for those students who borrow the loans. |
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| Keywords: | educational loans credit risk aspiration of repayment Logit model |
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