广西高校助学贷款的信用危机分析  

The Credit Crisis of Student Loans in Guangxi's Universities and Colleges: An Analysis

作　　者：韦帮得[1] 李杨[2] 

机构地区：[1]广西财经学院,广西南宁530003 [2]广西大学,广西南宁530004

出　　处：《广西青年干部学院学报》2012年第3期21-24,共4页Journal of Guangxi Youth Leaders College

基　　金：广西教育科学"十二五"规划2011年度广西高校学生资助研究专项课题(桂教科学﹝2011﹞13号);广西高校助学贷款风险控制的研究课题(2011ZZ004)的研究成果之一

摘　　要：助学贷款政策能够有效帮助家庭经济困难的学子完成学业,但由于政府、高校、银行等部门执行不力、管理缺失、经营不善及部分学子缺乏信用等原因,导致助学贷款无法实现良性循环。应加快立法进程,进一步明确政府、银行、高校、学生的责任;建立个人信用信息与银行卡信息、个人账户信息等相连接的手段,强化信用管理;加强信用教育,形成全社会齐抓共管良好局面;培养个人素质,从源头上解决人的信用危机这一根本性问题。The student loan policy can help the undergraduates from financially disadvantaged families effectively complete their education. But this aid loan is unable to achieve a positive circle due to ineffective implementation, administrative deficiencies and mismanagement of the government, universities, banks and other sectors, as well as some students＇ lack of credit. It is essential to do the following： 1. accelerate the legislative process to further clarify the responsibilities of the government, banks, universities and students; 2. set up means connecting all information of personal credit with bank cards and personal accounts to reinforce credit management; 3. strengthen credit education and form a good situation for the whole society to make concerted efforts; 4. develop the personal qualities to solve this fundamental issue of the credit crisis from the source.

关 键 词：广西高校 助学贷款 信用危机 路径分析 

分 类 号：F832.479[经济管理—金融学]