保险机制介入国家助学贷款风险防范体系之探讨——基于湖南省国家助学贷款贷后管理工作现状分析  

On the Risk Preventing System of Insurance Intervening National Student Loan——Based on the Research of Status Quo of Student Loan Repayment Mechanism in Hunan Province

作　　者：陈媛[1,2] 龚曦[1,2] 翟金鑫 

机构地区：[1]湖南师范大学 [2]湖南师范大学学生资助管理中心 [3]湖南省学生资助研究会

出　　处：《当代教育论坛》2016年第1期62-67,共6页forum on contemporary education

基　　金：湖南省教育科学"十二五"规划2013年度家庭经济困难学生资助研究专项立项课题"国家助学贷款风险防范体系引入保险机制"(XJK014BXSZ002)的阶段性成果

摘　　要：文章基于湖南省属高校开展国家助学贷款贷后管理工作现状,结合其他中西部省份保险机制介入助学贷款贷后管理工作的实践经验,梳理分析保险机制介入国家助学贷款风险防范体系的优势及不足,探讨、提出保险机制介入国家助学贷款风险防范体系的构想,尝试构建更为完善的助学贷款风险防范体系,以期促进国家助学贷款工作更持续、有效地开展。Based on the analyses of present post-lending management system in national student loan which carried out in Hunan provincial colleges and universities and combined with practical experiences of Insurance mechanism involving in national student loan risk prevention system in central and western provinces, we demonstrate the advantages and disadvantages of Insurance mechanism involving in national student loan risk prevention system. In addition, we intend to explore and come up with the idea of that system. We try to build up a more perfect student loan risk prevention system, in order to promote the sustainability and efficiency of national student loan.

关 键 词：保险机制 国家助学贷款 风险防范 违约率 征信体系 

分 类 号：G649.2[文化科学—高等教育学]