摘要
美国主要通过加强学生诚信教育、采取灵活的还款方式、促使银行主动回收贷款、高校分担学生贷款拖欠责任、建立完善的信用体系、加大对贷款拖欠者惩罚力度等措施规避大学生贷款拖欠风险,效果比较明显。借鉴美国的经验,我们应该在加快高等教育资助立法、采用生源地贷款方式等方面有所加强,以保证高校学生贷款系统的良性运转。
America has tried to avoid the risk of student loan default through strengthening the student honesty education,using flexible ways for returning loan,urging the banks to reclaim the loans actively, universities＇ sharing the responsibility of student loan default,establishing a prefect credit system and punishing the loan defaulters more severely,etc.. All the measures have shown good effect. In our country,we should also quicken the legislation of higher education support and adopt the student loan methods in their hometown so as to guarantee the positive operation of student loans system in higher institutions in China.
出处
《外国教育研究》
CSSCI
北大核心
2008年第2期55-58,共4页
Studies in Foreign Education
关键词
美国
大学生贷款拖欠
风险规避
America
college student loan default
risk avoiding
