高校贷款信用风险指标体系及模糊综合评价研究

高校扩招后,为解决资金紧缺困难而纷纷向银行贷款,但是,过大的贷款规模超出了高校的经济承受能力,高校贷款存在较大的信用风险.针对高校贷款特点,借用企业信用风险评价的"5c"理论,设计出一套全面的评价指标体系,并运用多层模糊综合评价法对高校贷款的信用风险进行模糊综合评价.通过信用风险评价模型限制高校的贷款规模和银行的放贷行为,为政府宏观管理决策提供科学依据,促进贷款的良性发展.

Study on the Credit Risk Indicator System of University Loan and Fuzzy Comprehensive Evaluation

After the enrollment expansion,universities are asking loans from banks in order to solve funds shortage problem.However,the loan scale has greatly surpassed the economic affordability of universities which lead to high credit risks.Directing at the characteristics of university loan,and by borrowing the"5C"theory of credit risk evaluation of enterprises,the authors design a comprehensive evaluation indicator system,and a fuzzy comprehensive evaluation on credit risk of university loan is made by using multi-level fuzzy comprehensive evaluation methods.The purpose is to control the loan scale and the loan providing behaviors of banks through credit risk evaluation model,provide scientific references to macro-management decisions of government,and promote the benign development of loans.