国家助学贷款“高违约率”的原因与对策研究  

Causes and Countermeasures on High Default Rate of NLS

作　　者：邓平宇[1] 余明[1] 

机构地区：[1]华南农业大学学生工作处,广东广州510642

出　　处：《惠州学院学报》2010年第4期55-57,共3页Journal of Huizhou University

摘　　要：目前国家助学贷款出现高违约率的主要原因是:部分学生诚信缺失与实际困难,银行和高校的制度缺陷与人力投入不足。可考虑的解决的对策是,加强对贷款学生的诚信教育,加强助学贷款的宣传力度,加强助学贷款工作的人力配置,加强制度创新,调动还贷积极性,加强预防违约的硬约束建设。The high default rate of NLS in recently are mainly due to loans students lack good faith, economic difficulties, imperfect System and inadequate HR in bank and university. The feasible solutions to solve the problem are to strengthen education of faith,further propagate lending policy, to increase staff working in student loans, to mobilize the enthusiasm to return the loan and to formulate con- straints to prevent default.

关 键 词：国家助学贷款 违约率 贷款学生 

分 类 号：F832.479[经济管理—金融学] G647[文化科学—高等教育学]