| 助学贷款逾期还贷的银行对策分析 |
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| 引用本文： | 黄亚雄,贺正楚.助学贷款逾期还贷的银行对策分析[J].山西财经大学学报(高等教育版),2009(4):86-90. |
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| 作者姓名： | 黄亚雄 贺正楚 |
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| 作者单位： | 湖南工业大学,师院校区,湖南,株洲,412007 |
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| 基金项目： | 湖南省企业战略管理与投资决策研究基地基金 |
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| 摘 要： | 助学贷款逾期还贷的学生将对银行造成一定的风险损益。文章依据完善信用体系的前提假定,通过构建银行与还款者之间的博弈模型,提出了银行应对学生助学贷款逾期还贷的解决方案,以及助学贷款者与银行的最优选择策略。对助学贷款者与银行之间博弈关系的分析,可以为金融机构的助学贷款信贷业务实践提供决策参考。
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| 关 键 词： | 助学贷款 逾期还贷 银行经营 信用风险 |
Strategy of Commercial Banks on Student Loan Post-payment |
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| HUANG Ya-xiong,HE Zheng-chu.Strategy of Commercial Banks on Student Loan Post-payment[J].Journal of Shanxi University of Finance and Economics,2009(4):86-90. |
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| Authors: | HUANG Ya-xiong HE Zheng-chu |
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| Institution: | ( Normal College, Hunan University of Technology, Zhuzhou 412007, China) |
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| Abstract: | Firstly the authors analyze the current condition in student loan post-payment and the harm to the bank,then according to the assumption of fully credit system,by establishing the game model of bank and borrower,the authors present the solution for the student loan post-payment and the optimal strategy for borrower and bank. |
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| Keywords: | student loan post-payment commercial bank credit risk |
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