试论国家助学贷款的风险及其防范

On How to Prevent the Risks of the National Student Loans

国家助学贷款风险是因借款学生可能的拖欠行为而给贷款银行造成的未来可能产生的损失。然而,国家助学贷款中的成员并非银行一方,它还包括学生、学校和政府。各方在国家助学贷款运行机制的作用下,各自承担着相应的职责与义务。本文对各方所承担的风险进行分析并提出相应的风险防范办法。

The risk of the nationsa student loans is the loss to the lending bank brought by the students＇ possible delinquency. However, members in the national student loans are not only one party of the bank, it also includes the students, the schools and the government as well, and each side is undertaking its corresponding duties and obligations under the function of the operation mechanism of the national student loans. This text analyzes the corresponding risks undertaken by each member and puts forward the solutions to share the risks.