完善风险补偿金机制 大力推进生源地信用国家助学贷款

On Risk Compensation Mechanism of Student-origin-based Mortgage Loan Program

2007年8月,国家开始正式在5省市试点生源地信用国家助学贷款,其中风险补偿金机制曾经对校园地国家助学贷款的推动起了不可替代的作用,缓解了政府、银行和高校之间责任不对称的问题,作为校园地国家助学贷款的现实选择,完善原有的风险补偿金机制,将会推进生源地信用国家助学贷款的健康发展。

In August 2007 when the state government officially launched financial aid program for students in five pilot cities,the risk compensation mechanism played an irreplaceable role in the program and helped to balance the asymmetric commitments of government, banks and colleges. The paper presents that the improvement of existing risk compensation mechanism will be consummating Student-origin-based National Student Loan program.