摘要
高等学校国家助学贷款是我国政府利用金融手段完善普通高校资助政策体系、加大对普通高校经济困难学生资助力度所采取的一项重大措施。由于国家助学贷款实行的是无担保、靠信用维持的这一特征,从而产生了高等学校国家助学贷款中的诚信困境问题。从非担保机制条件下的国家助学贷款存在先天缺陷、部分大学生的信用意识还不强、个人信用制度不完善、大学生的偿还能力无法真正保证等四个方面对国家助学贷款中诚信困境的原因进行了分析,明确指出反对将助学贷款中的大学生诚信问题妖魔化。另外,还对国家助学贷款信用行为的实现及高等学校在国家助学贷款信用行为实现过程中的主要职能等问题进行了分析与探讨。
The state student loan of higher institutions is an important step taken by the government, through the agency of finance, to perfect the College Student Support System and take greater effort to support poor students. The state student loan is carried out with no guaranty but credit only, which induces the honesty problem of state student loan .This assay studies the causes of that problem from four aspects as follows： the innate defect of student loan with no guaranty, the limitation of some students＇ sense of honesty, and the imperfection of individual credit system, as well as the impossibility of giving the guarantee of college students＇ ability to pay the debt. It is also opposed definitely to making the issue evil. Meanwhile, this thesis analyses and discusses such issues as the realization of credit behaviour of state student loan and the main function of higher institutions in the process of the realization.
关键词
国家助学贷款
诚信
信用
the state student loan, the analysis of honesty, the realization of credit behaviour
