国家助学贷款利率政策的实施效应  

The effect of Interest rate′s policy on Government-Subsidized Student′s Loan

作　　者：肖华茵[1] 季俊杰[1] 沈红[1] 

机构地区：[1]华中科技大学教育科学研究院

出　　处：《高等工程教育研究》2007年第3期69-73,共5页Research in Higher Education of Engineering

基　　金：全国教育科学规划教育部重点课题(DFA050089);美国福特基金资助项目(1045-0963)的研究成果之一

摘　　要：国家助学贷款的运行效率与其利率的均衡水平有关,而贷款均衡利率由还贷期限、贷款风险和宏观经济变量决定。我国的国家助学贷款利率低于均衡利率水平,并由此导致了银行惜贷、贷款成本增加、社会福利流失等问题。如果提高利率水平、降低违约风险,再通过改善银行管理,使国家助学贷款利率回归均衡水平,从而可改善国家助学贷款利率政策的实施效应。但是,利率提高之后,必须辅之以政府对借贷学生的利率补贴以及其他配套政策,以达到学生贷款助学之目的。GSSL （Government-Subsidized Student＇s Loan）＇s operating efficiency is related to the interest rate＇s equilibrium level, and equilibrium interest rate of loan depends on the term of giving back loan, loan＇s default risk and macroscopic economic variable. The interest rate of our country＇s GSSL is lower than equilibrium interest rate, which leads to many problems＇ such as credit stinting, rising of loan＇s cost, social welfare＇s loss. If it increases interest rate, drop Loan Default Risk, then improves bank＇s management, it could make the GSSL＇s interest rate return＇equilibrium level, then the effect of GSSL＇s interest rate policy will be improved. But after the rising of interest rate, government must subsidize the students who get loan to attain the goal of helping poor students.

关 键 词：助学贷款 均衡利率 限价政策 

分 类 号：F832.479[经济管理—金融学]