高考语文作文万能素材The Countermeasures for Commercial Bank to Avoid the Risk of Student Loan
In any ca, we shall, adhering to a scientific concept, do our work. At prent, it is widely acknowledged that due to loan students' different recognitions of credit, the difficulties in obtaining an employment which is mostly with a low income, the unsound system of credit constraint, the high risk involved in national student loan, and the abnce of measures for avoiding risk, we get no resource to avoid and control the risk, neither do we show full confidence. However, the author consider that acknowledgment unfair, more likely to be biad.
狼杀 Firstly, risk exists anytime and anywhere objectively. It can be said risk is absolute while being riskless is relative. Secondly, risk is not subject to the will of human, neither possible nor necessary to be avoided. Last but not least, risk is preventable. We are not helpless facing the risk, as our subjective initiative can play a positive role in remolding the objective world as well. Thus, the author holds that since the said “wide acknowledgement” as well as the risk of national student loan exists as a real truth, it will be detrimental to ignore or surrender ourlves to the risk. Therefore, it is advisable to brave the risk with calmness. H潘氏
olding such a positive attitude is the premi for us to control risk. 小城故事歌词
Among the factors affecting the healthy development of national student loan, student credit carries the most weights, which is a “key factor”. The awareness of credit decides our efforts in the work. Only when we are well aware of the significance and pressure of credit publicity and education, can we improve our consciousness and strive unswervingly.
还带 Improving our awareness of the esnce of national student loan, National student loan is a credit-bad loan, therefore, the esntial attribute of such loan rests with credit. Credit runs through the process of loan, as student apply for and is granted a loan on basis of his or her credit guarantee, and will prove his or her credit when repaying the loan in due time. Where there was a default, there would be a problem of credit. Under the background that the credit system has not been established, credit publicity and education will rve as a key approach for us to dissolve the crisis resulted from the credit-bad national student loan. Or rather, under this background, we should attach more importance to and strengthen the credit publicity and education. Even when the cre
dit information system developed quite soundly in future, we should continue with our credit publicity and education. Therefore, we can conclude that credit publicity and education should be carried out along with the commencement and development of national student loan, which is decided by loan's esnce and attribute.
Improving our awareness aiming at building a credit society. The degree of credit rves as a key indicator and standard for measuring the level of civilization. As to build a credit society is a must for a harmonious society, our country is speeding up the construction of credit system. As the university students are the group of people who have been well-educated, they shall, undoubtedly, take the lead in striving for credit. Thus, doing a good job of credit publicity and education on university students is a key part of building a credit society, which will be of great significance.
Improving our awareness of the harm engendered by default. The behavior of default not only images the quality of students, but also reflects the problems in our school education and in the social psychology. Severe and malicious default will po a direct effect on the development of national student loan, on the image and reputation of studen
ts and schools, and on the development of higher education in our province. Thus, we shall direct the attention to the graveness of harm.
In the campaigns for credit publicity and education, we shall constantly improve our work methods and endeavor for actual effects when solving the problems such as inadequate influence, poor arrangement, strong randomness, and poor pertinence.
Making the campaigns lively by taking diversified forms. Diversified forms shall be taken when launching the credit publicity and education campaigns, which can be either in rious classroom or in the form agreeing with the characteristics of university students. Be sure the form taken appeals to university students and the superiorities of them can be brought into play. We shall do our utmost to combine education with recreation so as to boost the educational effect and make them educated from the varied activities. Many schools of higher education have launched publicity and education campaigns by taking various forms popular with the students, for instance, by inviting relevant bank officers to give a lecture, by holding a knowledge competition, by using the network and billboard, and by organizing variety performances.
Being specific and definite. The credit publicity and education shall follow the student-oriented principle, avoiding the ‘supercilious', vague and empty talk. Each event shall be well arranged to make sure it has both a subject and contents, and each event shall be for the purpo of educating students on their study, mentality and life, indoctrinating them with the concept of credit. Some schools of higher education in our province have specially opened the lective cour of credit publicity and education, which adopts the credit-bad grading system where the credit information of students can be assd. This kind of cour is well received by university students who have rushed to attend, making the credit publicity and education vivid and dramatic.
Publicizing and guiding by means of tting a model. We shall make good u of model education; in particular, we shall vigorously publicize the stories about the students who have showed their integrity, good credit, and lf-independence. By doing this, the model student can play a role of demonstration and guidance.
Combining the ‘soft' measures with ‘hard' measures in the credit publicity and education. That is to say, while ‘preaching', we shall, with a view to reinforcing the educati
onal results, establish a sound system and mechanism which is expected to regulate the student' behavior, to lead them to the path of good faith, and to restrict and crack down on the default in particular the malicious evasion from loan repayment.
Establishing and improving the registration and management system. We shall t up an archive about the students who have been granted a loan, and manage the archives by virtue of electronic information. In this way, we can provide the basis and source information in connection with student's loan and repayment, assist the bank in following up and collecting the overdue receivables, and pave the way for the integration into the credit system of whole society. This is a basic work of importance, requiring us intensified efforts. Over the past two years, our province has actively conducted the work of personal information collection in respects of the students granted a national student loan, which has achieved satisfactory results.
Establishing and improving the communication and contact system. Communication and contact, the basic approach to acquire information, are necessary for mutual trust and understanding, and can provide the basis for adopting countermeasures in ca of a
ny emergency. Most schools of higher education have maintained a clo contact with the handling banks, and some of them have designated their students to help the handling bank do as much work as they can. Through communication, contact and kind help, the bank is able to know of the loan repayment by students, meanwhile, the bank' s trust in and friendship with the students have been enhanced. Some banks even voluntarily request an increa in the amount of loan issued and an advance making of the loan. The active work by some schools of higher education has touched the banks, and the effective measures propod by schools have helped the banks with collecting the overdue receivables, which has been praid and rewarded by the banks.
*Establishing and improving the system of rewards and penalties. A proper form of reward or penalty coming in good time will function as an effective approach to our work. We may give notice in either verbal or written form as to the student's credit information. To boost the honesty and faithfulness of students, we can adopt the method of directly linking their credit records with the event of ‘appraising the advanced and excellent students' and with other subsidy or rewards projects of school. The list of default students
in some schools have been publicized on the campus network; however, for tho who have repaid in due time, the handling bank will issue a certificate of credit and promi the students of good credit can take the priority in enjoying the favorable and quality financial rvice in future. In carrying out the campaigns of credit publicity and education, the schools of higher education shall and can play a positive part.
*It is a must to establish a risk compensation mechanism to safeguard the interests of financial enterpris, protecting their benefits from the threats. The implementation of mechanism can ari and enhance the initiatives of schools of high education while strengthening the constraint on the loan students. The amount to be compensated shall depend on the level of risk. The compensation payment is ud to compensate for the risk taken. Thus, the risk taken decides the compensation payment. As risk is dynamic, the compensation payment fluctuates as well without a constant value. Besides, it is improper and difficult to subjectively assume the payment of compensation. Therefore, the compensation payment shall be corresponding to the risk involved.
*Risk has great bearing on the management of schools of high education. Under the back
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ground that the credit system has not been established across the society, and that the existing credit system is not perfect, the management of schools of high education plays a key part in controlling the risk. The stricter and better the management is, the less the risk will be, and vice versa. By and large, the risk explains the management, and the management exerts a direct impact on the risk.
*When conducting the risk compensation, proportionality among the rights, responsibility and interest shall be sought. Risk compensation rves only as an instrument for the purpo of resisting and avoiding the risk, and of keeping the healthy development of national student loan. It does not exist for compensation, still less for the creation of risk. Thus, we must keep equal among the right, responsibility and interest. Only in this way, can they restrain and stimulate each other with lowered risk.
多显示器设置*Rewards and penalties prove as an effective approach to risk control. As an effective approach to risk control, ‘Rewarding the good and penalizing the bad' is an embodiment of the principle of right, responsibility and right, reflecting the management of schools of higher education. The levels of rewards and penalties should be proportionate to the pres
sure and motive faced by schools, to the efforts of management, and to the effect of risk control. In a n, the levels of rewards and penalties decide on the effect of risk control.
*The risk compensation mechanism cloly connected with the management performances of schools of higher education has been established in some places, which has caud wide concerns and high prais for bringing in positive benefits. Seeing from the general pattern extensively implemented in other places, we find a problem that the risk compensation only exists as it is, lacking in an incentive and restrictive mechanism. The determination and application of risk compensation ratio rely on insufficient scientific bas. Therefore, the compensation payment for risk fails to dissolve risk fundamentally. Banks show more concerns than happiness when receiving the compensation payment for risk. Although happy with the compensation, banks are still anxious about the level of risk, as they get no idea of risk involved and of the gap between the risk and the compensation payment; in addition, since the finance administrative departments and the schools of higher education have paid the compensation, they will shift their focus from th
e risk and management. So to speak, the banks' concerns over the risk are still there, they have not demonstrated as much enthusiasm as expected by us.
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