助学贷款与诚信的关系探究

Study on the Relationship between Student Loans and Honesty

助学贷款行为的有效性涉及人的因素、与特定职能部门有关的因素以及所处的市场环境因素等,其中贷款的有限理性和机会主义行为与诚信有密切的关系,使贷款现实行为与诚信观念选择上出现冲突。这项制度良性运行的基础是良好的信誉,诚信直接关系到贷款的进行。正视和努力解决客观存在的人的有限理性和机会主义行为等问题对于降低贷款成本,促进助学贷款制度的长效发展起着决定性作用。

The effectiveness of educational loan behavior is determined by many factors, such as individuals, specific functional departments and involved market environment. The limited loan rationality is related with opportunistic behavior and honesty. For this reason, conflicts appear between the realistic loan behavior and conceptual honesty choices frequently. The good operation of educational loan system is based on a good reputation, because honesty is directly related to the conduction of loans. Higher attention and effort to solve those objective- ly-existing problems of individual＇s limited rationality and opportunistic behavior plays a decisive role in lowering the loan cost and promote the development of students loans system in the long run.