国家助学贷款实施难点分析  

Crux Analysis in National Student Loans

作　　者：周玲珍[1] 程鑫[1] 

机构地区：[1]哈尔滨商业大学,黑龙江哈尔滨150028

出　　处：《哈尔滨商业大学学报（社会科学版）》2005年第5期25-27,共3页Journal of Harbin University of Commerce:Social Science Edition

摘　　要：国家助学贷款的开展总体来看比较缓慢,今年还出现大面积停办,其原因主要是助学贷款在制度安排上没有充分考虑供给方银行的市场主体利益;社会信用约束机制不健全,部分学生信用意识淡薄;缺乏有效的助学贷款管理系统,高校和银行的配合不够。所以应及时采取对策将助学贷款推进下去。It seems develop slowly for national student loans in general view and there be close down in a extensive field. The main reason as follows： No consider of the providing bank＇s profit; Social credit tied mechanism is imperfect; Some students lack of credit idea; lacking of effective manage system of student loans; University is short of cooperate with bank. Countermeasure should be taken to develop student loans.

关 键 词：制度缺陷 信用缺失 管理缺位 

分 类 号：F832.479[经济管理—金融学]