边境高校生源地助学贷款供求关系及其解释——基于KMRW声誉模型分析  

The relationship of supply and demand of locally-granted student loan in developing university——based in KMRW reputation model analysis

作　　者：王俊春[1] 段丹[2] 李凯敏[1] 朱志倩[1] 

机构地区：[1]保山学院 [2]保山中等专业学校,云南保山678000

出　　处：《保山学院学报》2015年第5期79-84,108,共7页JOURNAL OF BAOSHAN UNIVERSITY

基　　金：保山学院科研基金项目"云南边境高校生源地助学贷款有效供给问题研究"(项目编号:14BY016)资助

摘　　要：以KMRW声誉模型为视角,围绕银行对还款风险的预期和贷款学生实际还款概率之间的动态博弈进行分析,得出贷款学生注重声誉效应的积累,会一定程度上降低银行对贷款学生整体金融风险的规避,对其继续开展生源地助学贷款业务形成正向激励;声誉效应的改善包括建立和完善个人征信系统、形成助学金和贷学金的耦合机制、金融教育纳入到大学生通识教育以及还原助学贷款的抵押担保形式。The article focus on the dynamic the actual probability from the perspective of will reduce the bank＇s overall financial risk game of the bank＇s expectation of repay risk and KMRW reputation model, the conclusion is that it which loan-students should pay more attention to the accumulation of reputation, it include that improve personal credit information system, estab- lish the coupling mechanism for grants and scholarships, put the financial education into general education and reconstruct mortgage guarantee form of student loan.

关 键 词：边境高校 生源地助学贷款 供求均衡 KMRW声誉模型 重复博弈 

分 类 号：F83[经济管理—金融学]