国家助学贷款的金融风险问题及对策研究

国家助学贷款实施6年来取得了显著成效,帮助了很多经济困难学生顺利完成学业.但随着实施范围的扩大和还款期的到来,助学贷款存在的问题也不断暴露出来,其中以贷款的金融风险最为突出,它已经严重阻碍了现行国家助学贷款政策的继续实施.降低助学贷款金融风险,可通过建立个人信用体系,提高违约成本,修改还款方式、延长还款期限,以及加大政策支持力度四个途径来实现.

Financial Risk in State-subsidized Student Loan and their Countermeasures

State-subsidized student loan has achieved a remarkable success since it was implemented six years ago, helping many poor students complete their studies. However, with the expansion of scope and advent of repayment period, problems arise, the greatest being financial risk, which has seriously hindered the continual implementation of the policy. The risk can be reduced through four ways, namely establishing personal credit system, increasing default cost, revising repayment methods and strengthening policy support.