商业银行助学贷款的风险形成与防范机制研究  

The Study on the Risk Formation and Prevention Mechanism of the Student Loan of Commercial Bank

作　　者：李从松[1] 王伟[1] 贺根庆[2] 

机构地区：[1]景德镇陶瓷学院工商学院,江西景德镇333403 [2]清华大学,北京10000

出　　处：《金融教育研究》2013年第5期3-8,共6页Research of Finance and Education

基　　金：国家社科基金:大学贫困生问题对社会稳定的影响及其应急管理研究(BFA090082)

摘　　要：助学贷款是我国高等教育的重要资助体系之一。商业银行经营助学贷款具有风险大、成本高和收益低的特点。本文阐述了助学贷款政策变迁过程中商业银行的风险变化,从五个方面分析了商业银行助学贷款的风险形成机制,进而提出构建和完善商业银行助学贷款的风险防范机制。Student loan is one of the important funding systems for higher education in China. Commercial bank management student loans are of the characteristics of huge risk,high cost and low benefit. The paper describes the risk change of commercial bank in the changing process of student loan policy,analyzes the risk formation mechanisms of student loan of commercial banks from five aspects,and then proposes risk prevention mechanism of construction and perfecting of student loan for commercial banks.

关 键 词：助学贷款 商业银行 信用风险 风险分担 风险防范 

分 类 号：F832.479[经济管理—金融学]