| 国家助学贷款风险及其管理 |
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| 引用本文： | 刘伟林,张邦富.国家助学贷款风险及其管理[J].财经科学,2008(3):45-50. |
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| 作者姓名： | 刘伟林 张邦富 |
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| 作者单位： | 西南财经大学经济信息工程学院,成都,610074;西南财经大学学生工作部,成都,610074 |
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| 摘 要： | 从2001年国家推行助学贷款政策以来已经整整7年时间,这项无须担保的政策性贷款一开始就受到高校贫困大学生和高校的普遍欢迎,极大地推进了我国高等教育事业的改革和发展.然而,由于信用机制和人们信用意识等诸方面原因,国家助学贷款偿还问题成为贷款银行担心的大问题,解决这一问题需要从增强人们信用意识、建立健全信用体系与信用机制,以及改革银行内部管理等多方面努力,需要从教育和管理等多方面着手.
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| 关 键 词： | 国家助学贷款 风险 信用体系 信用机制 |
| 文章编号： | 1000-8306（2006）03-0045-06 |
| 收稿时间： | 2008-01-13 |
| 修稿时间： | 2008年1月13日 |
Risk and Management of State-sponsored Education Loan |
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| Liu Weilin,Zhang Bangfu.Risk and Management of State-sponsored Education Loan[J].Finance and Economics,2008(3):45-50. |
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| Authors: | Liu Weilin Zhang Bangfu |
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| Abstract: | It has been seven years since China started to provide state - sponsored education loans.This loan receives great welcome from poor college students for it needs no guarantee and promotes the development of higher education in China. However, due to the existing credit system and credit awareness, banks worry about the payment of loans. It can be resolved only by the efforts of all players, to strengthen credit awareness, build and improve credit system, reform bank management and education. |
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| Keywords: | state- sponsored education loan risk credit system credit mechanism |
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