| 保险机制介入国家助学贷款管理的探讨 |
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| 引用本文： | 贾平,张艳.保险机制介入国家助学贷款管理的探讨[J].辽宁师范大学学报(社会科学版),2008,31(3):31-32. |
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| 作者姓名： | 贾平 张艳 |
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| 作者单位： | 辽宁省学生资助中心,辽宁,沈阳,110000 |
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| 摘 要： | 国家助学贷款是我国政府为资助高等院校经济困难学生，顺利完成学业而建立的一项资助政策。这项政策已经资助了数百万学子完成学业。然而在过去的几年中，助学贷款的实施产生了许多如贷款拖欠率高、银行惜贷等问题，国家助学贷款还远远不能满足广大贫困生群体的需求。而将保险机制引入国家助学贷款管理，可以充分发挥保险的社会管理功能，从而实现国家助学贷款的顺利实施。
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| 关 键 词： | 国家助学贷款 保险机制 风险管理 |
| 文章编号： | 1000-1751(2008)03-0031-02 |
Research on the Insurance Mechanism Interposing in the Management of Student Loan Subsidized by the State(SLSS) |
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| JIA Ping,ZHANG Yan.Research on the Insurance Mechanism Interposing in the Management of Student Loan Subsidized by the State(SLSS)[J].Journal of Liaoning Normal University(Social Science Edition),2008,31(3):31-32. |
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| Authors: | JIA Ping ZHANG Yan |
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| Institution: | (Liaoning Student Subsidation Centre, Shenyang 11000, China) |
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| Abstract: | Student loan schemes is established by the government to subsidize those college students who were born in poor families to complete their undergraduate studies.Millions of students have been subsidized from this scheme.However,in China only a small part of needed students were aided from the student loans policy and many problems have arisen such as the bank's reluctance and the high default rate.This thesis points out that the interposing of insurance mechanism in SLSS will fully give play to the function of social administration and implement SLSS successfully. |
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| Keywords: | student loan subsidized by the State(SLSS) insurance mechanism risk management |
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