国家助学贷款还贷问题与对策分析  

作　　者：王瑜[1] 黄蓓[1] 

机构地区：[1]中国人民大学,北京100872

出　　处：《浙江金融》2011年第3期45-48,56,共5页Zhejiang Finance

摘　　要：国家助学贷款是贫困大学生顺利完成学业的主要支持渠道,然而由于贷款还贷约束机制不完善、贷款人还贷能力低下和诚信意识淡薄等多方面原因,高违约率已经成为助学贷款健康持续开展的一大瓶颈。从结合我国大学生的收入与消费实际设计合理还贷期限与方案、完善征信系统、建立规范的助学贷款违约惩罚机制,以及加强诚信宣传教育等多方面着手,是解决问题的根本对策。The National Student Loan（NSL） is the main supporting channel for needy students to complete their studies in college successfully. Because of several factors, such as the imperfection of repayment constraint mechanism, the inadequacy of graduated students＇ repayment ability and the deficiency of their credit awareness, high default rate of the NSL has become the major bottleneck to carry out it successfully and sustainably. Considering both the income level and the consumption level of graduated students,we suggest that practical and reasonable repayment period be designed, and the credit system be improved, and a standard student loan default punishment mechanism be established, and the integrity of publicity and education be strengthened.

关 键 词：国家助学贷款 高违约率 还贷制度 

分 类 号：F832.4[经济管理—金融学]