摘要
助学贷款难已经引起了社会的广泛关注,本文讨论了制约助学贷款发放的基本原因,指出深层次的矛盾在于国家助学贷款的政策性实质和作为商业贷款发放的制度性错位。以此为出发点,认为实现与社保基金的结合才是助学贷款的最好出路。社保基金的制度特点也决定了由其发放助学贷款具有得天独厚的优势,并有着切实的可操作性和可行性。
The article discusses the basic reasons for difficulties in student loans,concluds the bottleneck lies in the institutional contradict between its political nature and commercial issue.Rather than establishment of social credit system which needs great economic and time cost,social security funds is a much better approach.The fund matches this role well in many features,which results in adequate feasibilities.
出处
《北方经贸》
2006年第12期77-79,共3页
Northern Economy and Trade
关键词
助学贷款
社保基金
制度错位
社保缺口
student loans
social security funds
institutional contradict
funds gap
