国家助学贷款违约率问题及对策研究

Study on the Problems and Countermeasures of National Student Loan Defaults

本文着眼于目前国家助学贷款违约率问题,从国家助学贷款制度设计的四个利益主体:学生、银行、高校、政府来分析国家助学贷款政策存在的缺陷,把助学贷款违约率高居不下的原因主要归结于制度性原因,并有针对性地提出了建立健全国家助学贷款制度、完善风险补偿机制、加快社会个人信用体系建立等措施建议。

The paper focuses on national student loan defaults,and analyzes the defect of national student loan policy from the view of four major interest subjects： the student,bank,university and government.Furthermore,the paper considers that the institutional default is the main reason of the high national student loan defaults.In order to overcome the problem,the paper advances many reasonable proposals,such as perfecting the system of national student loan policy,establishing the mechanism of risk-reserve and accelerating the construction of the individual-credit system.