国家助学贷款风险控制中应遵循的原则初探——兼议泰国、新加坡等国助学贷款政策的启示

Preliminary on Principle Controlling the Risk of the National Student Loan——studying the policy enlightenment of the National Student Loan in Thailand,Singapore, and so on

随着高等教育成本分担理论的产生，全球已有50多个国家和地区实施了学生助学贷款制度。为帮助贫困大学生完成学业，我国从1999年起建立了国家助学贷款制度。自开展国家助学贷款工作以来，到2007年10月底，银行累计审批贷款学生332．9万，累计审批合同金额308．6亿元。国家助学贷款政策是一项促进社会公平、培养人才及增强国家竞争力的好政策。

There are more than fifty countries who have implemented the system of the National Student Loan since the shared theory on the cost of higher education produced. To help the poor students to complete their studies, China has established a national student loan system since 1999. But it does not run smoothly because the policy is companied with the system risk, the risk of moral hazard, the credibility risk, etc. After searching the successful experiences and the lessons of failure from domestic and foreign countries, controlling the risk of the national student loan risk in China must be followed seven principles, such as the principle of power and benefits.