国家助学贷款还款方式的制度变迁及需求分析

Analysis of Institutional Change Demand on the Mode of Repayment of the National Student Loans

我国国家助学贷款采取的分期定额还款方式,无法使国家助学贷款达到规模经济的要求,无法使国家助学贷款的正外部性有效内在化,无法使国家助学贷款的信息不对称得到改善,无法使对国家助学贷款风险的厌恶得到克服,制度变迁需求已经形成。

National Student Loans in China take the fixed installment repayment methods,it is unable to make national student loans to achieve the requirements of the economies of scale,unable to make positive externality of the national student loans internalize effectively,unable to make the information asymmetry in the national student loans to be improved,unable to overcome the national student loans risk-averse,and the demand of Institutional change has been formed.