关于高校贷款证券化的前瞻性思考

The Thinking Forwards of Securitisation of Loans-to-college

高等教育对我国经济社会的可持续发展具有积极的推动作用。发展我国的高等教育事业需要资本市场的强力支持,而启动高校贷款证券化则可以拓宽我国高等教育融资的渠道并促进债券市场的发展。我国高校贷款证券化在起步阶段应以资产抵押证券这种结构形式为主,在发展阶段则以转付证券这种结构形式为主。目前我国实施高校贷款证券化还存在诸多的约束,政府需要采取一系列的配套措施来消除高校贷款证券化的制度和市场障碍以促进我国银校合作的进一步发展。

The college education takes an important role in the economic and social sustainable development. And the development of college education need the support of capital market strongly. Implementing Loans-to-college securitisation help to widen the finance resources of college education and develop the bond market in China. But in the moment, there are still many difficulties in carrying out the loans-to-college securitisation , the government must takes a series of effective measures to eliminate those systemic and marketing obstacles in practice the loans-to-college securitisation, promote development of the co-operations between banks and colleges .