关于发展教育信贷的分析  

Analysis of the Development of Education Credit

作　　者：胡孟茜[1] 王欣悦[1] 

机构地区：[1]东北农业大学,黑龙江哈尔滨150030

出　　处：《科教文汇》2011年第20期23-24,共2页Journal of Science and Education

摘　　要：随着国家倡导的高等教育的普及,教育信贷发挥着日益重要的作用,无数莘莘学子在教育信贷业务的帮助下顺利完成了学业。教育信贷在为国家创造利益的同时也在为国家分忧。本文分析了我国教育信贷存在还款难、期限短、校银信息不对称和贷款项目单一的问题,同时提出了相应的解决方法,帮助贷款人解决了贷款难和银行到期收款难的问题,更有利于贷款业务的蓬勃发展。With higher education popularization be advocated by the state,education credit is playing an increasingly important role, many students successfully completed their studies with the help of credit, Education credit not only to create interest for the country,but also for the countries to solve the problems, this paper analyzes the existence problems of education credit repayment difficulties,short deadlines, asymmetric information in schools and banks,loan projects a single,and proposed the appropriate solutions to help lenders solve loan difficult and bank of maturity collection is difficult,More conducive to lend- ing operationsb vigorous development.

关 键 词：教育信贷 贷款项目 还款难 期限短 

分 类 号：G649.20[文化科学—高等教育学]