助学贷款之风险与回报分析

Analysis of risk ard return of student-aiding loan system

针对当前国家助学贷款实施过程中的种种问题 ,本文引入案例 ,运用定量分析和定性分析相结合的方法 ,对大学生个体和银行两主体的风险与回报进行了深入的比较和分析 ,并就风险的控制与防范、进一步推进国家助学贷款工作提出了富有建设性的措施。

Aiming at many problems when we actualize student-aiding loan system, this article introduces some cases, and uses the combination of quantitative and qualitative analysis to compare and analyze the risk and return between undergraduates and banks. Also this article brings forward constructive measures for risk control and prevention, and the development of the student-aiding loan system.