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文章分析了国家助学贷款的性质;指出传统的研究往往从层次分析法分析(AHP),忽略了层次内部元素的相互依存性。从学生还贷的角度,运用Delphi method构建评估指标体系,运用网络层级分析法(ANP)对同一层次的指标建立两两比较判断矩阵,得到评估指标体系中各层指标对于上层指标的权重,即学生在校的表现对学生贷款归还影响比较大,据此科学抓好学生的有关教育,规避国家助学贷款的风险。
The article analyzes the nature of state-sponsored loans. It points out that traditional research often analyzes AHP and neglects the interdependence of elements within the hierarchy. From the perspective of repayment of students, Delphi method is used to construct the evaluation index system, and the network level analysis (ANP) is used to establish a pairwise comparison judgment matrix on the same level of indicators, and the weight of each level of indicators in the evaluation index system for the upper level indicators is obtained The performance of students at school has a greater impact on the return of student loans. Therefore, the government should do a good job in educating students and avoiding the risks of state student loans.