助学贷款受信学生债务容忍度概念及结构研究

基于两类“容忍度”研究模式,提出助学贷款受信学生债务容忍度概念：基于对债务及信用功能和意义的认知,债务人在负债压力和债务监控中所表现出来的心理和行为特征。按照债务心理加工过程,将债务容忍度分析为债务认知、负债压力和债务监控三个维度。高债务容忍度者易发生失信行为,低债务容忍度者将影响其心理健康水平。因此,高校需要加强对高债务容忍度受信学生的信用教育和低债务容忍度学生的社会支持。

Research on Conception and Structure of Credited Students' Debt Tolerance of Student Loans

Based on two models of＂Tolerance＂,this article proposes the concept of credited students’debt tolerance of student loans,that is,the perception of function and significance of debt and the debtors’ psychological and behavioral characteristics under debt pressure and debt monitor.In terms of debt psychological processing,tolerance of debt has 3 dimensions：debt perception,debt pressure and debt monitor.Students with high tolerance of debt tend to break their credits and those with low tolerance of debt tend to be affected on their psychological health.Hence,universities and colleges in China ought to strengthen the credit education to raise students’tolerance of debt and increase social support for students with low tolerance of debt.