学生贷款与个人征信体系的互动机制研究

Interaction Mechanism for Student Loans and Personal Credit Reference System

学生贷款适应了高等教育从精英化向大众化全面转型的要求,成为我国力度最大、覆盖范围最广的高校学生资助方式。然而,目前的学生贷款与个人征信体系还远未形成个人信息的"无缝对接",致使学生贷款市场的发展空间严重受阻。构建学生贷款与个人征信体系的良性互动机制迫在眉睫,应选择合适的学生贷款与个人征信体系互动模式,发挥政府的主导作用,对个人信息进行标准化。

Student loans have adapted comprehensive transformation requirements from the elite education to mass higher education,and have become the largest and most extensive way of student financial assistance for colleges in China.However,the current student loans and personal credit information system is still far from forming ＂seamless＂ link between personal information and personal information,resulting in the severely disrupted development space for student loan market.It＇s urgent for construction of benign interaction mechanism for student loans and personal credit information system.It＇s necessary to select the appropriate interaction model for student loan and personal credit information systems,letting the government leading role to be played in standardization of personal information.