借鉴美国经验完善我国高校助学贷款制度

Improve China's Student Loan System by Using American Experience for Reference

高校助学贷款制度已经成为一个日益受到世界各国广泛关注和重视的问题。我国高校助学贷款制度还存在着放贷面小,贷款来源和还款方式单一;银行最终承担风险,贷款拖欠率较高等问题。我国应借鉴美国提供灵活多样的还款方式和咨询服务,建立惩罚机制等成功经验,并结合我国国情,分别在政府、银行、高校等层面上来采取相应的措施,从而完善我国助学贷款制度。

The student loan system in colleges and universities has attracted attention all over the world. However, there are many problems with China＇s student loan system such as limited coverage of loans, single source of loans, single form of loan repayment, banks assuming the risk of default and high rate of default. So, American successful experience in this respect, for instance, flexible forms of loan repayment and various consulting services, can be used for reference to improve China＇s student loan system by taking measures at the levels of the government, the bank and the school.