| 助学贷款中的团体贷款与信贷合约 |
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| 引用本文： | 黄亚雄. 助学贷款中的团体贷款与信贷合约[J]. 财经理论与实践, 2009, 30(4) |
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| 作者姓名： | 黄亚雄 |
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| 作者单位： | 湖南工业大学,湖南,株洲,412007;华中农业大学经管学院,湖北,武汉,430070 |
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| 基金项目： | 湖南省企业战略管理与投资决策研究基地基金项目(08jdyb08);;湖南省情与决策咨询研究课题(0809ZZ23) |
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| 摘 要： | 针对现行助学信贷合约激励不足的问题,将"团体贷款"引入到助学信贷合约中,使得改进后的助学信贷合约的激励相容性得以提高。改进后的助学信贷合约,无论是银行还是学生,均可以接受。在几种可能的产出分布情形下,助学贷款的还贷率得到较大提高,从而论证了将"团体贷款"引入到助学信贷合约中的可行性。
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| 关 键 词： | 助学贷款 团体贷款 信贷合约 |
Team Loan and Credit Contract in Student Loans |
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| HUANG Ya-xiong. Team Loan and Credit Contract in Student Loans[J]. The Theory and Practice of Finance and Economics, 2009, 30(4) |
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| Authors: | HUANG Ya-xiong |
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| Affiliation: | 1.Hunan University of Technology;Zhuzhou;Hunan 412007;China;2.College of Economic and Management;Huazhong Agriculture University;Hubei Wuhan 430070;China |
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| Abstract: | The introduction the team loan into credit contract brings more incentives.Both banks and students are willing to accept this kind of credit contract.Under several output distribution,rate of loan repay improve,which proves the feasibility of the introduction. |
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| Keywords: | Student loans Team-loan Credit contract |
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