降低国家助学贷款违约率的措施研究

Research on Measurements of Decreasing the Default Rate of National Student Loan

国家助学贷款作为高等教育个人融资的一种手段,由于兼具政治、道德、经济属性及功能,融政策、福利、教育、金融为一体,所以无论是在发达国家,还是发展中国家都被广泛推行。然而,随着我国助学贷款进入还贷期,大学生的贷款信用问题很快凸现出来,部分大学生信用意识淡薄,拖欠贷款问题突出,信用问题已成为制约国家助学贷款工作顺利开展的瓶颈。那么,如何降低和防范助学贷款的违约率?以吉林大学在校申请或已经享受了国家助学贷款的学生为调查研究对象,在分析问题原因的基础上提出相应措施和对策,以促进国家助学贷款的良性循环。

As a means of personal financing in higher education,state educational loan,which possesses the attributes and functions in politics,morality and economy,and pushes the policy,welfare and finance to merge into one,is widely implemented in the developed countries as well as in the developing countries.However,as the state educa-tional loan is heading for the repaying period,the issue in the credit of college students becomes marked.Some of the college students,whose consciousness in credit is thin,are outsta...