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国家助学贷款是一种由政府主导、财政贴息、政府和高校共同承担风险补偿金、由商业银行发放的金融产品,实施十余年来,已经为数百万莘莘学子解除了后顾之忧。但是,国家助学贷款在运行过程中存在着诸如利率及呆账、法律、信用和道德风险,之所以会产生这些风险,是我国国民信用意识淡薄、政策运行环境差、国家助学贷款管理监督机制不健全、贷款制度设计有缺陷以及高校毕业生就业难等因素造成的,在此基础上提出了完善国家助学贷款风险约束机制的策略选择。
The national student loan is a financial product dominated by the government, subsidized by the government, and borne by the government and colleges and universities, and distributed by commercial banks. Over the past decade or so, it has lifted worries for millions of students. However, the existence of such risks as interest rate, bad debts, legal, credit and moral risks in the operation of the national student loan system is due to the weak credit awareness of our nationals, the poor operating environment of the policies, the supervision mechanism of the state student loan administration Imperfect loan system design flaws and difficult employment of college graduates and other factors, on this basis, put forward to improve the national student loan risk constraint mechanism of the strategic choice.