| 学生贷款证券化研究 |
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| 引用本文： | 李支东,吴莉云.学生贷款证券化研究[J].江苏科技大学学报(自然科学版),2006,6(1):47-50. |
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| 作者姓名： | 李支东 吴莉云 |
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| 作者单位： | 江苏科技大学经济管理学院 江苏镇江212003(李支东)，浙江工业大学之江学院 浙江杭州310024(吴莉云) |
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| 摘 要： | 学生贷款证券化是贷款银行将学生贷款的债权出售给特殊目的载体(SPV),然后由SPV将学生贷款汇集成一个贷款组群,并通过结构性重组转变为可在金融市场上流通的证券,据以融资的过程。其交易架构包括资产池的构造、SPV的设立、信用增级以及风险控制等。作为一种金融创新工具,其运营尚需政府的支持、相关法律和全国性的个人信用体系的配套以及相关中介机构的服务等。
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| 关 键 词： | 学生贷款证券化 SPV 信用增级 |
| 文章编号： | 1673-0453(2006)01-0047-04 |
| 修稿时间： | 2005年4月28日 |
The Pattern of Student Loan Securitization |
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| LI Zhidong,WU Liyun.The Pattern of Student Loan Securitization[J].Jiangsu University of Science and Technology:Social Science Edition,2006,6(1):47-50. |
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| Authors: | LI Zhidong WU Liyun |
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| Abstract: | Student loan securitization is a type of financing process in the financial market.In the course of the process,the banks sell their claims of the student loans to SPV,then SPV assembles them into a group and structurally recombine them to be a type of bonds to circulate.The operation frame of the student loan securitization includes the formation of assets pool,the establishment of SPV,credit enhancement,risk management and so on.As a type of financial derivative instrument,student loan securitization needs support of the government,the coordination of the laws concerned and the national personal credit system,as well as the service of agencies. |
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| Keywords: | student loan securitization SPV credit enhancement |
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