Notice of Retraction: Analysis on personal credit risk of national student loans based on factor analysis

Abstract

Individual credit risk factors of the national student loans are various. These factors can't correctly reflect the level of risk influence because of their mutual co-linear. This paper will use factor analysis to analyze the student samples of national student loans for the sake of more accurate researches on causes of personal credit risk. From many individual credit risk factors of national student loans, this paper will reveal the real causes of personal credit risk, which will contribute to set up personal credit risk evaluation model in the future.