高校国家助学贷款模式的拓展与延伸——关于设立“工学贷”的思考与探讨

On the Extension of Chinese National Student Loan Model

近年来,一方面因大学生就业难而出现还贷难;另一方面中小企业由于融资难而导致工人就业难,问题和矛盾集中在就业和资金上。通过设立新的金融产品"工学贷",即中小企业如愿意提供合适的岗位,吸纳大学生实习(就业),且支付相应的薪酬,该企业就可以凭"据"(大学生与银行签订的贷款合同)到国家政策性银行去贷款。这样,"两难"变成了"两利",而原来的银行、学校、学生"三赢"局面也会变成为银行、学校、学生、企业"四赢"的结果。

In recent years, it has not been easy for college graduates to find a job wherein the repay ment of National Student Loans is unrealistic for the students concerned. On the other hand, the shrinking job market is at least partially caused by the financing difficulties of the small and medium enterprises （SMEs）. Therefore, employment and capital are the two central problems. As a solution to the problems, a new financial product is proposed-＂Employment for Loan＂, that is, SMEs offering positions to college graduates have the privilege of obtaining loans from the state banks. In this way, the two problems of employment and capital can hopefully be solve＆