助学贷款风险防范的金融创新机制研究

Research on Financial Innovation System of Risk-proof GSLL

国家助学贷款制度实施近8年来的实践表明,在社会信用缺失和相关法律制度不健全的情况下,风险补偿机制的不科学是构成国家助学贷款可持续发展的瓶颈。文章从分析现行助学贷款中存在问题和运行机制中的弊端出发,总结发达国家的经验,结合中国的国情,探索出一条以教育担保和教育风险补偿为主的风险防范创新之路。

With the lack of social trust and related laws, GSSL institution cannot fulfill its organized target in its practice of 8 years. There are many contradictories between policy and practice. Among these contradictories, the singularity of educational guarantee and risk compensation institution play a very important role. Through analyzing the existing problems and root reasons, this paper not only discusses the foundation of education guarantee institution but also probes into an innovative way of risk -proof.