助学贷款制度面临考验

• 作 者: 冯静生
• 出 处: 时代金融
• 发表日期: 2004年12期
• 关键词: 助学贷款制度 国家助学贷款 贷款担保 贷款银行 借款学生 违约率 助学贷款工作 风险补偿 商业性贷款 信用贷款

我国自1999年实施国家助学贷款政策以来,资助了一大批经济困难的学生完成学业。随着首批国家助学贷款到期,较高的违约率使各家商业银行对国家助学贷款慎重起来,2003年一些分支行甚至举起了“停贷”的红牌。虽然,2004年6月12日国家发布了《关于进一步完善国家助学贷款工作的若干

Since the implementation of the national student loan policy in 1999, our country has funded a large number of economically disadvantaged students to complete their studies. With the expiration of the first batch of national student loans, the higher default rate has caused all commercial banks to be cautious about the country’s student loans. In 2003, some branches even raised the red card of “stop loans.” Although, June 12, 2004 the state issued a "on further improving the national student loan number