美国降低国家担保学生贷款拖欠率的经验及启示

How the Default Rate of Federal Student Loans in the USA is Reduced and its Implications

美国国家担保学生贷款拖欠率由20世纪90年代初的20％多下降到本世纪初的6％左右,取得了巨大的成功。美国对学生贷款拖欠规律的研究以及降低学生贷款拖欠率的经验,对防治我国国家助学贷款可能出现较高的拖欠率具有重要的借鉴意义和参考价值。

The default rate of federal student loans in the United States is now 6 %, only about 1/3 of the value in early 1990s, which was 20%. The federal government financed the research on defaults. Having found who defaults and why, the government took many effective measures to counteract the defaulters, such as punishing them more toughly, providing more loan services, depriving institutions with high default rates of their eligibilities, etc. America's experience might give us some useful implications in preventing the possible high default rate of the Government -supported Student Loan Scheme in China.