制约贫困地区生源地助学贷款业务发展的原因及对策

• 作 者: 中国人民银行漳县支行课题组
• 出 处: 西安金融
• 发表日期: 2005年10期
• 关键词: 制约 贫困地区 生源地助学贷款 贷款业务 社会效益 金融机构 效益性 政策性贷款 贫困学生 矛盾 经济效益 经济利益 贷款萎缩 盈利性 安全性 利率 范畴

一、制约生源地助学贷款业务发展的主要原因(一)金融机构的盈利性与生源地助学贷款的社会效益性之间的矛盾生源地助学贷款属政策性贷款范畴,利率低,期限长,贷款的安全性难以把握,因此金融机构从自身的经济效益考虑,不愿发放生源地助学贷款。而生源地助学贷款的社会效益性则要求

I. Main Reasons for Restricting the Development of Student Loan Business from Source Areas (I) Conflicts between the Profitability of Financial Institutions and the Social Benefit of Student Loans Source of Student Loan Student loans are under the scope of policy loans with low interest rates and deadlines Long, the security of the loan is difficult to grasp, so financial institutions from their own economic considerations, are reluctant to release student loans. The social benefits of student loans are required