高校视角的国家助学贷款信用风险控制策略探析  

On the Credit Risk Control Strategy of National Student Loan from the Perspective of Colleges and Universities

作　　者：张理航[1] ZHANG Li-hang(Software Engineering Institute,Jinling Institute of Technology,Nanjing,Jiangsu 210009,China)

机构地区：[1]金陵科技学院软件工程学院,江苏南京210009

出　　处：《教育教学论坛》2020年第45期21-22,共2页Education And Teaching Forum

基　　金：2018年度江苏省学生资助管理中心立项,江苏省教育科学“十三五”规划学生资助专项课题“校园地国家助学贷款制度与生源地信用助学贷款制度的比较研究”(X-a/2018/17)。

摘　　要：国家助学贷款是针对贫困大学生实施的一项扶助政策,以此帮助大学生顺利地完成学业。但是,从高校视角来看,在国家助学贷款实际运用的过程中,存在着一些弊端,这些弊端很容易引发信用风险。针对高校视角的国家助学贷款信用风险形成原因进行了探究与分析,并提出了高校视角的国家助学贷款信用风险控制的有效策略,希望有助于国家助学贷款的稳定运行。The national student loan is a supporting policy for poor college students, so as to help them finish their studies smoothly. However, from the perspective of colleges and universities, there are some drawbacks in the practical application of national student loans, which are easy to cause credit risk. The author explores and analyzes the reasons for the formation of national student loan credit risk from the perspective of colleges and universities, and puts forward effective strategies for the control of national student loan credit risk from the perspective of colleges and universities, hoping to contribute to the stable operation of national student loans.

关 键 词：高校 国家助学贷款 信用风险 控制策略 

分 类 号：G649.2[文化科学—高等教育学] F832.4[文化科学—教育学]