借款学生违约行为的发生机理——超越计划行为理论的解释

A Study on the Occurrence Mechanism Model of Default Behavior of Student Borrowers in China

研究表明,学生贷款违约受诸多因素的影响。然而,这些因素是如何诱发学生违约的?运用计划行为理论来解释学生还贷行为发生机理是有局限的,为此本文构建了借款学生偿还行为选择的理性模型。在这个模型中,借款学生的偿还资源是行为选择的物质基础,偿还意向是行为选择的动力机制,偿还情境是行为选择的制约机制,借款学生的意志水平和对偿还行为实际的控制能力是行为发生的调节机制,借款学生偿还行为选择的(预期)结果及相应的社会评价是偿还行为的反馈机制。学生还贷行为的选择,是由借款学生还贷的意向、偿还的情境条件、可用于还贷的资源,以及偿还贷款行为的意志和控制能力共同作用的结果。

Lots of researches indicate that student loan default is influenced by a great many factors.Whereas,how do these factors induce student default？ There has been some constraint to explain repayment behavior mechanism with plan behavior theory,so the paper constructs a ideal model for repayment behavior choice of student borrowers.In this model,we found that repayment resources compose the matter bases of behavior option,the repayment willingness is the dynamics of behavior option,the repayment circumstance is the restraint mechanism,student borrowers＇ volition and real controlling abilities are the regulation mechanism of behavior occurrence,the result from their behavior option and social evaluation are the feedback mechanism of repayment behavior.Thereby,the option of student repayment behavior is an outcome of collective function by students＇ repayment willingness,repayment circumstance,available resources to repay,as well as the volition and controlling abilities of loan repayment behavior.