完善助学贷款大学生个人征信体系探析

The Exploration of Improving the Personal Credit Reporting System of Students with Student Loans

我国助学贷款政策实施以来,支持了教育事业的发展,解决了家庭经济困难学生入学难的问题。然而,近年来由于部分借款大学生的失信,造成还款违约率较高,阻碍了银行发放助学贷款的持续发展。因而,如何构建助学贷款大学生个人征信体系,推动助学贷款政策良性循环发展具有十分重要的意义。将从我国大学生助学贷款现状出发,结合大学生助学贷款存着的信用风险问题,提出关于建立助学贷款大学生个人征信体系的意见和建议。

Since the implementation of the student loan policy in China,it has supported the development of education and solved the problem of difficult enrollment for students with financial difficulties.However,in recent years,the failure of some college students who borrowed money has resulted in a high default rate of repayment,which hinders the sustainable development of student loans issued by banks.Therefore,it is of great significance to construct a personal credit information system for students with student loans and promote the sound cycle of student loans policy.Based on the current situation of student loan in China and the credit risk of student loan in China,this paper intends to put forward some suggestions and suggestions on the establishment of student loan personal credit information system.