摘要
学生贷款违约是国家助学贷款可持续发展的主要障碍。学生贷款违约日益成为一个复杂的社会性问题。学生之所以违约受诸多因素的影响。不同的参与主体可能因其立场、利益和处境的差异而对违约有其不同的观察方式与不同的理解。通过对学生贷款的参与者,即学生、高校(教师)和经办银行的深度调研发现,大学毕业生的经济收入状况、借款者的还贷意愿和社会信用环境是影响贷款违约的主要因素,而大学毕业生的经济收入水平则是最核心的因素。
Student loan default is usually deemed as an obstacle to sustainable development of government-subsidized student loan.Student default is a complex social problem,its occurrence has profound social origins.Different participants may have dissimilar observance modes and understanding because of different position,benefits and surroundings.Via deep investigation and research to the participants of student loan,such as student,university（faculty） and banks,we found that economic earning,repayment will and credit surroundings comprise the most important factors of student default.Thereinto,economic earning of student is the main factor.
出处
《教育科学》
CSSCI
北大核心
2010年第5期19-23,共5页
Education Science
关键词
学生贷款违约
违约因素
毕业生经济收入
还款意愿
Student Loan Default
Default Factor
Economic Earning of Student
Repayment Will
