摘要
国家助学贷款是国家为解决贫困大学生问题所采取的主要资助政策,但是近年来贷款学生的高违约率使国家助学贷款的施行陷入了困境。本文通过对银行、高校和学生在国家助学贷款中行为的博弈分析,建立了博弈模型。高校必须主动与银行合作才能更好地防范自身在国家助学贷款中的风险,提出了高校在防范国家助学贷款风险中的角色定位与对策建议。
Government Student loans is an assistant policy which aims to solve the problem of poverty - stricken college students. However, Government Student Loans is in trouble because of high default rate recent years. A game theory model is founded base on analyzing the relationship among bank, university and student, and we get the conclusion that the university should cooperate with the bank in order to better prevent risk in government student loan. Suggestions for university to prevent government student loan risk are also provided.
出处
《财经科学》
CSSCI
北大核心
2008年第4期77-84,共8页
Finance & Economics
关键词
国家助学贷款
高校
风险
博弈
Government Student Loans
University
Risk
Game Theory
