大学生诚信还贷的双重维度——贵自律,重他律

Loan Repayment of College Students:Self Discipline or Not

贷款毕业生还贷意识薄弱,出现严重拖欠还贷现象,对银行、高校以及贫困大学生都产生负面的影响,要从根本上解决拖欠还贷的问题,必须加强学生诚信教育,使学生有一定的心理压力,从而产生更好的操守意识。同时建立个人征信系统,充分发挥威慑功能、惩戒功能、定位功能,利用新闻媒体共同监督诚信,必要时启用法律程序惩戒恶意逃贷学生。只有自律和他律相结合,才能保证助学贷款顺利实施。

Graduates＇ weak sense of loan repayment cause serious default on loans.It has a negative impact on the poor university students in colleges,bank and universities.To fundamentally solve the problem,We must strengthen honesty education,and exert psychological pressure to make students have a better sense of integrity.Meanwhile we must establish the personal credit information system to perform function of deterrent,punishment and orientation.In addition,we must use the news media and legal procedures when necessary to？punish malicious escape loan students.Only by combining selfdiscipline and heteronomy,can we guarantee loans for smooth implementation.