| 大学生助学贷款个人资信评估体系设计研究 |
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| 引用本文： | 管七海,冯宗宪,刘展. 大学生助学贷款个人资信评估体系设计研究[J]. 西安交通大学学报(社会科学版), 2002, 22(3): 45-48,52 |
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| 作者姓名： | 管七海 冯宗宪 刘展 |
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| 作者单位： | 西安交通大学,陕西,西安,710049 |
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| 基金项目： | 国家自然科学基金项目 (70 1 71 0 0 5) |
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| 摘 要： | 在借鉴国外发达国家学生贷款和个人消费信贷中个人信用体系建立的经验基础上 ,详细地设计了适合中国国情的电子网络化的国家助学贷款个人信用档案以及信用评级体系 ,包括学生在校个人信用的信息来源与登记、学生个人信用档案的建立、学生个人信用评级指标体系的设计以及学生网络信用报告的编制 ,探讨了助学贷款的奖惩机制和追债系统的设计
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| 关 键 词： | 助学贷款 大学生个人资信 评估体系 奖惩机制 追债系统 |
| 文章编号： | 1008-245X(2002)03-0045-04 |
| 修稿时间： | 2001-10-17 |
A Design on the Credit Rating System for College Students in Government-aided loan |
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| GUAN Qi hai,FENG Zong xian,LIU Zhan. A Design on the Credit Rating System for College Students in Government-aided loan[J]. Journal of Xi'an Jiaotong University(Social Sciences), 2002, 22(3): 45-48,52 |
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| Authors: | GUAN Qi hai FENG Zong xian LIU Zhan |
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| Abstract: | In the light of experiences of developed countries in college students' loan and personal consumption loan, the paper aims to design on the rating system that fits China's situation well, including the source of information and registration of college students, files for students' personal credit, designing on the system of credit grading and preparation of net credit reports. Finally, the paper makes a design on the rewards and penalty system and the track down system. |
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| Keywords: | government aided loan college student's credit rating system punishment mechanism tracking down system |
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