金融深化与国家助学贷款的政策调适  

On Policy Adjustment of Financial Deepening and National Student Loan

作　　者：杜驰[1] 

机构地区：[1]南昌航空大学高教研究所

出　　处：《煤炭高等教育》2008年第4期38-40,共3页Meitan Higher Education

摘　　要：国家助学贷款政策所面临的现实困境,与金融深化进程中国有商业银行的政策偏好密切相关。国有商业银行在金融深化进程中存在金融支持与市场化两种取向,由于受到双重目标的约束,国有商业银行在谋求两者之间的平衡时,偏重于金融支持政策的运用,风险约束下的市场化取向只是处于渐进增强的过程。为此,以风险分担的形式来降低国有商业银行风险、并试图解决"惜贷"问题的政策进路缺乏实效,有必要通过制度创新来推动国家助学贷款的发展。During the process of finance deepening the realistic predicament ot national student loan is closely relatea to the policy preferences of state-owned commercial bank which take both finance supporting and marketing as their value orientation. Constrained by such double objectives and try for their balance, the state-owned commercial banks usually lay emphasis on the application of the former objective while the latter one at its gradually enhanced direction. Therefore, in order to promote the development of national student loan policy, it is necessary to innovate the institution since the approach to reduce those banks＇ risk by risk sharing and try to solve the problem of loan stint that lacks actual effect.

关 键 词：金融深化 金融支持 市场化取向 国家助学贷款 

分 类 号：G640[文化科学—高等教育学]