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| 助学贷款的风险防范机制研究 | |
| 引用本文： | 贺晓波,王春明. 助学贷款的风险防范机制研究[J]. 北京工业大学学报(社会科学版), 2004, 4(2): 84-88 |
| 作者姓名： | 贺晓波 王春明 |
| 作者单位： | 1. 北京工业大学,经济与管理学院,北京,100022 2. 北京工业大学,学生处,北京,100022 |
| 基金项目： | 北京市教育科学规划项目 |
| 摘 要： | 国家助学贷款推行难的主要原因是风险大,而助学贷款的外部经济性使得其风险防范与其他商业性贷款的风险防范有所不同。文章从分析国家助学贷款的各方当事人的收益成本及其行为出发,一方面判定助学贷款的风险应由哪些主体来分担;另一方面具体从短期和长期角度分别探讨助学贷款的风险防范机制。 |
| 关 键 词： | 助学贷款 高校收费 成本分担 学生资助 风险防范 |
| 文章编号： | 1671-0398(2004)02-0084-05 |
| 修稿时间： | 2003-09-15 |
Study on Risk-prevention Mechanism of Student Loan |
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| HE Xiao-bo,WANG Chun-ming. Study on Risk-prevention Mechanism of Student Loan[J]. Journal of Beijing Polytechnic University(Social Sciences Edition), 2004, 4(2): 84-88 | |
| Authors: | HE Xiao-bo WANG Chun-ming |
| Abstract: | The difficulty of promoting student loan is mainly resulted from high risk. Its external e-conomical efficiency makes it have different risk-prevention mechanism from other commerical loans. By analyzing each concerned party's benefit cost of state student loan and their behaviors, this paper intends to determine which parties should undertake the risk of student loan,and mean-while respectively discusses the risk-prevention mechanism of short-term and long-term student loan. |
| Keywords: | student loan college tuition cost sharing financial aid to student risk prevention |
| 本文献已被 CNKI 维普 万方数据 等数据库收录！ | |