构建有效的国家助学贷款风险防范和化解机制——解套助学贷款回收难的思考.pdfVIP

__________________________________________________________________________________ 建有效的国家助学贷款风险防范和化解机制 解套助学贷款回收难的思考 国治 邹 青 [ 容摘要] 家助学贷款是 家资助经济困难学生完成学业，达到培养人才、实现科教兴 战略的 重要举措。但我 由于起步晚，加上现行体制的矛盾、相关政策的不完善、诚信机制缺乏及其它软、硬环 境的制约，随着首批贷款学生毕业进入还款期，助学贷款高达20%的违约率显现回收难题。作者借鉴发达 家和地区的成功经验，结合我国实践，提出了构建社会风险防范和化解机制的治理 家助学贷款回收难 的新思路。 [关键词] 家助学贷款 风险防范和化解 综合治理回收难题 Build the effective system for preventing and extricating risks in State Subsidized Student Loan The thoughts of solving difficulties in redemption Subsidized students loan Guozhi Chen Qing Zou Abstract : The State Subsidized Student Loan is a significant movement that tries to aid poor students to accomplish their education, and aims to cultivate talent and achieves the strategy of rejuvenating our country through science and education. But because of some limitations such as: the late commencement of the loan contradicts with the current policies, credit systems lacks, and other soft and hard environments restrict, the loan fell back rate reaches up to 20% that causes redemptory problem when the first loans are getting to their maturities. Referring to the successful experience from developed countries and domestic practice, the authors put forward the new thoughts about how to build the effective system for preventing and extricating risks in National supporting student loan. Key words: State Subsidize