| 助学贷款制度创新 |
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| 引用本文： | 徐莉,石晓春.助学贷款制度创新[J].高等教育研究,2006(4). |
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| 作者姓名： | 徐莉 石晓春 |
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| 作者单位： | 四川师范大学经济与管理学院 四川成都610068(徐莉)，四川师范大学东校区综合办公室 四川成都610068(石晓春) |
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| 摘 要： | 由于信用障碍,商业银行目前普遍不愿发放助学贷款。由政策性银行发放助学贷款,虽在一定程度上可缓解助学贷款难的问题,但不能从根本上控制助学贷款的风险,最终可能形成大量坏账,由政府买单。助学贷款只能选择交易成本最小的制度。利用社保基金,通过社保卡向贫困大学生提供助学贷款,能够从根本上解决大学生贷款难和风险控制问题。
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| 关 键 词： | 助学贷款 社保卡 社保基金 交易成本 |
The innovation of student loan system |
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| XU Li,SHI Xiao-chun.The innovation of student loan system[J].Journal of Higher Education,2006(4). |
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| Authors: | XU Li SHI Xiao-chun |
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| Institution: | XU Li~1,SHI Xiao-chun~2 |
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| Abstract: | At present the credit disorders not only cause students' much fewer accesses to loans but also cause the unwillingness for the commercial banks to grant students loans.To certain extent,having the non-commercial banks grant loans to students can relieve the problem,which could not fundamentally solve the problem of loan risk control.It will initiate a large of bad debts and eventually will become a social cost which only can be transferred to the government.Thus only those systems with the least transaction costs can improve the student loans efficiency.The article argues that granting students loans by social security cards from social security fund can radically solve the dilemma of students' credit squeeze and the student loan risk control. |
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| Keywords: | student loan social security card social security funds transaction cost |
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