摘要
近几年大学生助学贷款违约率一直居高不下,大学生的信用受到质疑。本文依托福州市部分大学生个人信用意识问卷调查结果,深层剖析大学生欠贷、违约现象的症结,揭示了大学生对助学贷款的认识、助学贷款制度、大学毕业生就业状况以及社会信用体系建设等方面存在的问题,并提出相应对策。
In recent years, the default rate of state loan for college students is very high, queuniversity students＇ credit is questionable. According to the result of a questionnaire about the university students＇ individual credit, the article analyses on the causes of the phenomenon about violation default of national student loan, discloses some problems that exist in the university students＇ cognition, the system of national student loan, employment condition, the social credit system construction, and accordingly carries on a countermeasure research.
出处
《福建金融管理干部学院学报》
2006年第5期40-45,共6页
Journal of Fujian Institute of Financial Administrators
基金
福建省教育厅社科研究项目<个人信用信息管理及应用实证分析>(JA05168S)的阶段性研究成果。
关键词
助学贷款
个人信用
生源地贷款
national student loan
individual credit： student loan from family location
