学生贷款违约的七大影响因素  

Seven Influencing Factors of Student Loan Default

作　　者：廖茂忠[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》2008年第5期114-117,共4页Research in Higher Education of Engineering

基　　金：美国福特基金资助项目"中国学生贷款回收机制"(1075-0792);全国教育科学规划教育部重点课题"国家助学贷款实施效益评价"(DFA050089)的研究成果之一

摘　　要：在世界各地,违约一直困扰着学生贷款制度的设计者。研究表明,影响学生贷款违约的因素包括七个方面:学生的学业状况、毕业后的收入水平与就业状况、债务水平、就读院校特征、家庭特征、个人特征,以及学生贷款制度。借鉴国际研究的成果,针对我国学生贷款的现状,本文提出了防范我国学生贷款违约风险的若干建议。Student loan default has troubled the designers of student loan system in all countries. This paper summarizes the previous studies on the reasons of student loan default over the world. They could be mainly divided into seven factors, namely, student＇s academic status, employment and income, debt burden, family background and individual characteristics and the type of institution where a student studies and the student loan system. Taking the international experience into account, this paper finally proposes certain suggestions on how to prevent the default risk of student loan in China.

关 键 词：学生贷款 违约因素 国际经验 

分 类 号：G647.5[文化科学—高等教育学] F832.4[文化科学—教育学]