| 金融危机对我国高校学生助学贷款的影响及应对措施 |
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| 引用本文： | 雷丽丽.金融危机对我国高校学生助学贷款的影响及应对措施[J].大学.研究与评价,2009(5):55-59. |
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| 作者姓名： | 雷丽丽 |
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| 作者单位： | 华东师范大学; |
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| 摘 要： | 金融危机对我国高校学生助学贷款产生了很大影响。一方面,家庭收入减少和就业困难使申请助学贷款的学生数量大增。另一方面,银行缺乏放贷积极性,可能对学生助学贷款把关更严。对此,高校和政府应共同采取积极措施缓解学生的就学危机。高校可实行学费打折,延长交费年限,完善贫困学生资助体系,建立心理干预机制。政府应审时度势,及时出台相应政策,如向经办助学贷款业务的银行注入一部分资金,实行"专款专用";直接从银行等金融机构手中购买一定比例的学生助学贷款;适当上调国家助学贷款的风险补偿金比例上限;组建专门的政策性金融机构,负责学生助学贷款的发放、使用和回收等。
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| 关 键 词： | 金融危机 学生贷款 银行风险 政府责任 |
The Impact of Financial Crisis on College Student Loans in China and Its Countermeasures |
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| LEI Li-li.The Impact of Financial Crisis on College Student Loans in China and Its Countermeasures[J].College(Study & Evaluation),2009(5):55-59. |
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| Authors: | LEI Li-li |
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| Institution: | East China Normal University Shanghai 200062 |
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| Abstract: | Financial crisis had a significant impact on college student loans in China.On the one hand,the reducing of household income and employment difficulty make the number of students who need loans increase.On the other hand,the banks have no enthusiasm on lending,and they may be stricter on student loans.To this end,colleges and the government should take active measures to ease students' education crisis.Colleges may apply the tuition discount,extend the payment period,and improve the financial assistance sys... |
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| Keywords: | financial crisis student loans banking risks the responsibility of the government |
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