高校助学贷款陷入困境的原因及对策

Reasons and Countermeasures of the National Study-Aid Loan Be in Predicament

从信贷市场运行规律角度论证了国家助学贷款陷入困境的根源。文章认为,信贷市场上存在逆向选择和道德风险,商业银行的经营目标与国家助学贷款的目标冲突,导致了高校助学贷款陷入困境。解决的办法是在谁受益谁承担风险原则基础上,重新设计国家助学贷款制度。

This paper demonstrates the root of the predicament of the national study-aid loan based on the running rule of credit market . The paper holds that the adverse selection and the moral hazard exist in credit market .There are serious conflicts between managemental object of commercial bank and national study-aid loan＇s object . As a result, national study-aid loan is in predicament . The resolve method is that the system of national loan of education will be redesigned based on the principle that who gets the benefits and who should take on the risks.