我国大学生助学贷款还款机制优化的研究  

On Optimization of Schooling Loaning,Repayment Mechanisms for Helping Poor College Students in China

作　　者：裴智民[1] 

机构地区：[1]常州机电职业技术学院就业办公室,江苏常州213164

出　　处：《常州大学学报（社会科学版）》2014年第6期34-37,共4页Journal of Changzhou University:Social Science Edition

基　　金：2014年江苏高校哲学社会科学研究基金指导项目(2014SJD532)

摘　　要：国家助学贷款是由银行、教育行政部门与学生共同操作的专门帮助贫困家庭学生的银行贷款。1999年我国大学生助学贷款政策实施以来,助推许多家庭经济困难的学生完成了学业。但由于种种原因,部分大学生毕业以后拖欠贷款甚至逃债,导致了银行惜贷、拒贷等现象。要保证大学生助学贷款还款机制的有效运行,有赖于政府、银行、高校、学生、家长和用人单位等多方面的协同配合,进一步完善和健全大学生助学贷款还款机制,方能为国家培养优秀人才提供良好的经济保障。National student loan is a kind of bank loan operated by the bank,the administrative departments of ed-ucation and students whose families are poor and in need of help.This policy has helped many poor college students in China since 1999 .However,because of various reasons,the loan risk has also emerged.Part of the students had defaulted on their loans and rejected debt after graduation.This phenomenon has led to the bank′s credit crunch,rejection.To ensure that students loan has an effective operation mechanism,we must rely on the cooperation among the government,banks,colleges,students,parents and employers,so as to optimize student loaning and repayment mechanisms and provide good economic guarantee for cultivating talents.

关 键 词：经济困难大学生 助学贷款 贷款还款机制 

分 类 号：F830.589[经济管理—金融学]