摘要
助学贷款实施以来,违约率始终居高不下并已成为影响贷款可持续发展的瓶颈,作者首先系统梳理了助学贷款违约的主要影响因素,通过问卷调查、采用交叉分组频数分析和卡方检验等方法,得出了贷款违约率与学生诚信意识、还款期限以及贷款利率之间的实证关系,并在此基础上提出了降低违约率的政策建议。
Since Government-subsidized Student Loan（GSSL） is carried out,students’breach of contracts has been a serious problem.Based on systematic analysis of factors for students’breach of contracts,the author carries out questionnaire research and analyzes relationship between students’breach of contracts and their trustworthiness awareness,loan term,and loan interest rate.And the author puts forward tentative suggestions on reducing students’breach of contracts.
出处
《技术与创新管理》
2013年第3期220-224,共5页
Technology and Innovation Management
基金
教育部人文社会科学研究项目基金资助(09YJC880102)
关键词
助学贷款
违约率
影响因素
实证研究
student loan
breaching contracts
influencing factor
empirical study
