我国国家助学贷款违约风险的探析  

Analysis on the Default Risk of National Student Loan in China

作　　者：刘英[1] 林叶青[1] 林立洪[2] 

机构地区：[1]广东机电职业技术学院经济与管理学院,广东广州510515 [2]广东商学院金融学院,广东广州510320

出　　处：《金融教育研究》2013年第3期33-38,66,共7页Research of Finance and Education

摘　　要：我国的国家助学贷款起步较晚,存在很多问题,贷款的违约风险上升,严重制约了国家助学贷款的可持续发展。根据我国助学贷款发展的实情及违约风险的成因,借鉴国外先进助学贷款风险管理经验和贷款违约风险管理理论,尽快构建我国助学贷款风险管理的预警体系,对我国助学贷款的风险进行有效的管理,促进我国助学贷款的可持续发展,提升国民的受教育水平,增加我国的知识竞争力。China＇s national student loans started late,hence many problems exist.An increase in the default risk of the loan has seriously hampered the sustainable development of National Student Loan.Based on the development cases of our nation＇s student loans and the driving forces behind the default risk,drawing lessons from foreign advanced management experience of student loan risk and management theory of default risk,our nation should build an early warning mechanism of student loan risk management as soon as possible,so that we can effectively manage the risk of student loans in China,and promote the sustainable development of our nation＇s student loans,enhance the national level of education,and increase our knowledge competitiveness.

关 键 词：助学贷款 违约风险 评分模型 预警机制 个人信用评分系统 

分 类 号：F832.479[经济管理—金融学]