高校学生助学贷款违约的原因与对策探析

Causes and Countermeasures of Student Loan Default in Colleges and Universities

针对当前助学贷款,部分学生会出现被动类型、主动类型、无意类型的违约现象,不能按照事先规定的时间要求归还贷款。发生这类问题的原因包括:借贷信息不对称、学生诚信品质缺失、惩罚机制不完善等。因此,高校应在为学生提供助学贷款的过程中实施提升信息对称性、培养学生诚信品质、健全惩罚机制等对策,避免助学贷款违约现象发生。

At present,there are passive type,active type and unintentional type of student loan defaults in colleges and universities,and some students cannot repay their loans in time.The reasons for these problems include:information asymmetry between the lender and the borrower,lack of integrity of students,lack of perfect punishment mechanism and so on.Colleges and universities should enhance information symmetry,cultivate the integrity quality of students and improve punishment mechanism in the process of providing student loans,so as to avoid the occurrence of student loan default.