国外典型助学贷款对我国的启示

The Enlightenment of Typical Student Loans Abroad to China

由于国家财力有限、学生消费观念保守滞后及信用观念淡薄等原因,导致国家提供的助学贷款名额少、部分学生不愿意贷款及贷款归还拖欠等现象,日本的贷款管理机构与担保人制度、美国的谈话制度与追缴制度等值得借鉴,我国可以通过加强助学贷款相关基本制度、助学贷款管理操作具体办法的建设与制定,来完善助学贷款体系。

Due to the limited national financial resources, the lagging of students＇ consumption ideas and the weak credit concept, the student loan quota of China is low, students are unwilling to loan and defaulting the loan is common. The loan management institutions and the guarantor system in Japan, the talk and recovering system in the United States are both worthy of reference for China. We can strengthen the basic system related to student loans, the establishment and regulation of the specific measures in management ,operation to optimize the student loan system.