助学贷款风险测算模型的构建  

Student Loan Construction of Risk Measurement Models

作　　者：尹岳群 

机构地区：[1]广东技术师范学院天河学院,广东广州510540

出　　处：《科技广场》2011年第8期241-244,共4页Science Mosaic

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的关键就在于健全风险防范与补偿机制。本文对助学贷款风险测算模型的构建进行了探讨,并对促进助学贷款体系提出了相关的建议。There are these outstanding problems for national student Loan： students getting a loan is limited, contradiction of supply and demand is very outstanding, loan risk is gigantic.,therefore it is the key to perfect the mechanism of risk keeps watch and compensates for resolve these difficults. Venture capital system has provided the mechanism of risk socialization, on one hand it has decreased by risk degree born by bank, has raised a bank enthusiasm in the loan; on the other hand it has effectively prevented risk from concentrate excessively to the country, which has promoted loan motivation of poor college student, and thereby has enhanced solid of loan system.

关 键 词：助学贷款 助学贷款风险 风险社会化 

分 类 号：G647[文化科学—高等教育学]