高校贫困生生源地助学贷款风险因素及控制研究  

Research on Risk and Control of Locally- granted Student Loans

作　　者：张莹[1] 

机构地区：[1]安徽建筑大学材料与化学工程学院,安徽合肥230601

出　　处：《怀化学院学报》2015年第4期120-122,共3页Journal of Huaihua University

基　　金：2014安徽省振兴计划--弘扬社会主义核心价值观辅导员名师工作室子项目(2014FDYMSGZS001-011-02)

摘　　要：生源地助学贷款的风险因素有:贷款管理缺乏相应的责任主体、政策落实不到位、法律制度不健全、个人信用制度缺失等。针对生源地助学贷款的风险可采用以下应对策略,如:建立完善的学生信息管理系统、在法律法规基础上建立严格的奖惩机制、发挥生源地在贷款中的积极作用、严把贷款审批关、建立有效的贷款回收体系、高校加强大学生的诚信教育,旨在进一步完善生源地助学贷款政策。The risk factors could be included as follow： the loans are lack of appropriate management, the policies can not be implemented completely, the legal system is not perfect, personal credit system is also lack and so on. According to the risk, some strategies are put forward to control them, such as establishing and improving students information management system, based on the laws and regulations establishing strict rewards and punishment mechanism, playing the positive role of locally - granted loan, examining the pass of loan approval, establishing an effective recovery system, and strengthening the trustworthiness education of college students. At last, the loans policy will be further improved.

关 键 词：生源地助学贷款 风险 控制 

分 类 号：G64[文化科学—高等教育学]