国家助学贷款制度的实施及有效偿还制度  

Implement Status and Efficient Compensation Institution of China's Student Loan System

作　　者：郭华星[1] 田汉族[2] 

机构地区：[1]湖南师范大学商学院 [2]湖南师范大学教科院

出　　处：《现代大学教育》2004年第6期88-91,共4页Modern University Education

摘　　要：国家助学贷款已经实施了五年 ,颁布的助学贷款政策性文件在一步一步地完善 ,但没有取得预期效果 ,主要原因是由于贷款难以回收 ,而这需要建立一个完善的贷款偿还制度 ,本文从非正式约束、正式约束和实施机制三个方面来构建助学贷款的偿还制度。China's student-loan system has been enforced for five years. Loan po licies have been improved, but no expected effect is obtained. The main reason is that the student-loan is diffcult to be recovered. We should constitute a perfect instutution for loan-recovery. In this article,w e try to give a design of loan-recovery institution which consists of three parts : informal constraints, formal costraints ,and enforcement mechanism.

关 键 词：贷款偿还 非正式约束 国家助学贷款制度 国家助学贷款 助学贷款政策 完善 实施机制 构建 文件 

分 类 号：G647.5[文化科学—高等教育学] F832[文化科学—教育学]