关于构建国家助学贷款征信宽容机制的政策建议

The Policy Recommendations on the Construction of the Credit Reporting Tolerance Mechanism of the National Student Loans

人民银行将国家助学贷款作为普惠金融发展的重要载体着力推进,相关金融机构也将国家助学贷款纳入信贷经营的整体战略,不断探索完善助学贷款的业务运行和风控机制。然而,随着金融机构助学贷款业务的发展和规模增长,国家助学贷款不良率较高的问题日渐凸显,直接影响了金融机构业务拓展的积极性。由于贷款逾期所产生的不良信用记录及其所引发的大学生失信问题也对我国征信体系的建设提出了新的挑战。本文基于深入调研,从征信管理入手,提出构建国家助学贷款的征信宽容机制,以促进国家助学贷款持续健康发展和普惠金融的有效落地,力求为我国信用体系建设提供创新性建议。

The National Student Loan as an important carrier of inclusive finance is promoted by the People's Bank of China.Some financial institutions have also brought the National Student Loan into their overall strategy of the credit business, and continuously explored how to operate it and how to control its risk. However, with the growth of the development and scale of the National Student Loan business of financial institutions, the issue of the higher non-performing loans ratio has been increasingly highlighted,which directly affects the enthusiasm of financial institutions to expand business. The poor credit record and the problem arising from being lack of credit led by the overdue loans bring a new challenge for the construction of the credit system in China. Based on the deep investigation, from the credit reporting management, the paper proposes constructing the credit tolerance mechanism of the National Student Loans hoping that the National student Loans could develop healthily and the inclusive finance could be put into effect,and trying to provide innovative suggestions for China's credit system construction.