NDLI: Evolutionary Game Analysis on the Phenomenon of National Student Loan Default

Content Provider	IEEE Xplore Digital Library
Author	Fangyuan Lu Min Lu
Copyright Year	2008
Description	Author affiliation: Bus. Sch., Zhengzhou Univ., Zhengzhou, China (Fangyuan Lu; Min Lu)
Abstract	-In order to reveal the national student loan game dynamic evolution path and discuss how to guard against national student loan risk, this paper adopts the dynamic evolution game replication method to analyze the choice behavior between the bank groups and the student groups. The result shows that the staple reason causing the failure of cooperation between the bank groups and student groups is that the reward and penalties of relevant law are inadequate to the loan students or the interest to the banks from the loan is less than their opportunity cost. Government should improve the risk compensation mechanism of the banks and increase the reward and penalties to the students, which will make a win-win situation between banks and students and solve the phenomenon of the national student loan default effectively.
Sponsorship	Eng. Technol. Press, Hong Kong
Starting Page	249
Ending Page	252
File Size	469549
Page Count	4
File Format	PDF
ISBN	9780769535609
DOI	10.1109/ISBIM.2008.176
Language	English
Publisher	Institute of Electrical and Electronics Engineers, Inc. (IEEE)
Publisher Date	2008-12-19
Publisher Place	China
Access Restriction	Subscribed
Rights Holder	Institute of Electrical and Electronics Engineers, Inc. (IEEE)
Subject Keyword	National Student Loan Costs Government Duplicative Dynamic Educational institutions Information management Risk analysis Game theory Information analysis Seminars Ethics Bank Loan Evolutionary Game Evolutionary Stable Strategy Business
Content Type	Text
Resource Type	Article

Sl.	Authority	Responsibilities	Communication Details
1	Ministry of Education (GoI), Department of Higher Education	Sanctioning Authority	https://www.education.gov.in/ict-initiatives
2	Indian Institute of Technology Kharagpur	Host Institute of the Project: The host institute of the project is responsible for providing infrastructure support and hosting the project	https://www.iitkgp.ac.in
3	National Digital Library of India Office, Indian Institute of Technology Kharagpur	The administrative and infrastructural headquarters of the project	Dr. B. Sutradhar bsutra@ndl.gov.in
4	Project PI / Joint PI	Principal Investigator and Joint Principal Investigators of the project	Dr. B. Sutradhar bsutra@ndl.gov.in Prof. Saswat Chakrabarti will be added soon
5	Website/Portal (Helpdesk)	Queries regarding NDLI and its services	support@ndl.gov.in
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