“关注——被关注”密度:助学贷款风险管理的关键环节

Frequency of Attention-giving & Attention-given: the Key of Student Loans Risk Management

风险控制是目前国家助学贷款可持续发展的核心问题。对河南省15所高校助学贷款管理人员和部分还息学生的访谈发现:高校"关注"借款学生,借款学生被母校"关注"的密度是助学贷款风险控制的关键环节。原因是"关注———被关注"密度影响高校与借款学生之间的可联系程度、影响借款学生形成诚实守信意识、影响还款渠道的畅通程度。适宜的"关注———被关注"密度是大致每2个月联系一次,适宜联系主体是借款学生在校时的班主任辅导员,适宜的联系方式是手机短信、电子邮件或者QQ信息。

at present,the risk controllment is a core issue of the sustainable development of Government-subsidized Student Loans.The interview of 15 institutions in Henan shows that the attention frequency of institutions giving to the borrowers and the borrowers given has been the key of student loans risk controllment.The reasons are as follows: Attention-giving & Attention-given frequency affects the contacting degree between institutions and the borrowers,the sincerity and credit quality of the borrowers,the openness of payment channel.The appropriate frequency of Attention-giving & Attention-given is about once every two months;the appropriate contactors are class sponsors or college counselors;the appropriate contact ways are phone message,e-mail and QQ message.