助学贷款风险的社会化承担机制  

Socialized Risk-undertaking Mechanism of National Student Loan

作　　者：岳意定[1] 王小兵[1,2] 

机构地区：[1]中南大学,湖南长沙410012 [2]湖南工业大学,湖南株洲412008

出　　处：《系统工程》2011年第5期80-84,共5页Systems Engineering

基　　金：湖南省社会科学基金资助项目(06ZC198)

摘　　要：国家助学贷款的一个突出问题就是国家助学贷款面太窄,供求矛盾十分突出,且存在巨大的贷款风险。解决国家助学贷款难关键就在于健全风险防范与补偿机制。风险投资体系提供了助学贷款的风险社会化承担的机制,它一方面减少了银行所承担的风险程度,提高了银行放贷的积极性;另一方面有效防止了助学贷款发放过程中的风险向国家过度集中,将风险投资引入助学贷款提高银行机构助学贷款的积极性,促进贫困大学生的借款动机,从而增进了助学贷款体系的稳健性。The serious problems of national student loan are reflected in the three main aspects： limited credit objects,conspicuous contradiction between supply and demand,great loan risks.It is essential to improve the mechanism of risk prevention and compensation to solve these problems.Venture capital system has provided the mechanism of risk socialization,on one hand it has decreased the degree of risk born by banks,which has raised banks＇ enthusiasm for providing loans;on the other hand it has effectively prevent the excessive concentration of risks into the country,which has promoted loan motivation of poor college student so as to enhance the robustness of loan system.

关 键 词：助学贷款 助学贷款风险 风险社会化 

分 类 号：G40[文化科学—教育学原理]