摘要
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.
出处
《南通航运职业技术学院学报》
2007年第4期6-10,共5页
Journal of Nantong Vocational & Technical Shipping College
关键词
助学贷款
风险防范
教育担保
风险补偿
制度创新
GSSL( Government-Subsidized Students Loan)
Risk-proof
Education guarantee
Risk compensation
Institution innovation