| 商业银行国家助学贷款之风险分析 |
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| 引用本文： | 魏莉. 商业银行国家助学贷款之风险分析[J]. 中小企业科技, 2011, 0(11) |
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| 作者姓名： | 魏莉 |
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| 作者单位： | 中国银行广西分行; |
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| 摘 要： | 文章着重论述了国家助学贷款的信贷风险问题,指出国家助学贷款是一种财政贴息无担保的信用贷款,是一项公共政策;提出防范助学贷款的信贷风险,需要构建以国家征信体系为基础的社会诚信环境,完善全国性的个人征信信息系统,大力推广生源地贷款,创建助学贷款的风险管理系统。
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| 关 键 词： | 国家助学贷款 高等教育 商业银行 信贷风险 |
Risk Analysis on Commercial Banks' National Student Loan |
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| WEI Li. Risk Analysis on Commercial Banks' National Student Loan[J]. , 2011, 0(11) |
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| Authors: | WEI Li |
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| Affiliation: | WEI Li (Guangxi Branch,Bank of China,Nanning Guangxi 530022) |
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| Abstract: | The paper emphatically analyzes the credit risk problem of National Student Loan,pointing out that National Student Loan is a kind of unsecured credit loan with fiscal interest discounts as well as a public policy.It also points out in order to defuse students loan's credit risk,social credit environment based on national credit reporting system should be established; individual credit reporting information system should be improved;granted student loan should be promoted;risk management system of student l... |
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| Keywords: | National Student Loan higher education commercial banks credit risk |
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