美国国家助学贷款拖欠处理策略及其启示

The Treatment Strategies and Inspiration of Student loans Default in America

助学贷款对于缓解学生的就学压力,保证优秀学子完成学业至关重要。助学贷款拖欠,特别是严重拖欠会使贷金周转困难,从根本上制约着贷款制度的正常运行和持续健康发展。毕业后流动性大所带来的管理难度大、找工作难度提升所带来的择业不稳定、信用意识不强是致使我国助学贷款拖欠问题越来越严重的主要原因。美国政府加大贷款回收的力度、制定灵活多样的还贷方案、加大惩罚力度、强化咨询指导等做法对我国处置学生助学贷款拖欠问题具有启示和借鉴意义。

Student loans are important to alleviate students＇school pressure ,and ensure excellent students to complete their studies .Student loans default ,especially severe default can lead to a difficulty in the turnover of load ,which will restrict the implementation of lending policies fundamentally .Our country has appeared this kind of phenomenon because of the difficult management of liquidity after graduation , the difficulty of finding jobs leading to the employment instability ,and a small number of students with poor credit consciousness . USA government has increased loan recovery efforts , developed flexible schemes of owing on the loan to increase penalties ,and strengthened the advisory guidance practices , which will give inspiration and reference for the disposal of student loans default in our country .