| 国家助学贷款政策的制度性缺陷及其改进 |
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| 引用本文： | 李旭萍.国家助学贷款政策的制度性缺陷及其改进[J].五邑大学学报(社会科学版),2007,9(2):71-74,78. |
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| 作者姓名： | 李旭萍 |
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| 作者单位： | 五邑大学,财务处,广东,江门,529020 |
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| 摘 要： | 我国国家助学贷款风险大、执行难的根本原因在于现行助学贷款政策未能建立有效的目标导向机制及合理的风险分担机制。有效的目标导向机制应有助于银行商业目标的实现和各种金融手段的充分利用；合理的风险分担机制要求按照“谁受益谁付费”原则，由助学贷款相关各方共同承担责任，合力规避贷款风险。
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| 关 键 词： | 国家助学贷款 目标导向机制 风险分担机制 |
| 文章编号： | 1009-1513（2007）02-0071-04 |
| 收稿时间： | 2007-01-05 |
| 修稿时间： | 2007年1月5日 |
The Institutional Defect of China's National Student Loan Policy and Its Improvement |
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| LI Xu-ping.The Institutional Defect of China''''s National Student Loan Policy and Its Improvement[J].Journal of Wuyi University(Social Sciences Edition),2007,9(2):71-74,78. |
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| Authors: | LI Xu-ping |
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| Abstract: | The fundamental cause of the oversize risks and ineffective implementation of China's national student loan policy lies in the absence of an effective goal-oriented mechanism and a rational risk-sharing mechanism.An effective goal-oriented mechanism serves to achieve the commercial goals of banks and enable them to fully utilize all kinds of financial means.A rational risk-sharing mechanism requires that all parties involved in a student loan scheme assume jointly the responsibility and avert the risks in accordance with the principle of "he who benefits pays". |
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| Keywords: | the National student loan program goal-oriented mechanism risk-sharing mechanism |
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