| 学生助学贷款违约的金融风险及治理 |
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| 引用本文： | 谢玉琴,林美杏.学生助学贷款违约的金融风险及治理[J].贵州工业大学学报(社会科学版),2008(5). |
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| 作者姓名： | 谢玉琴 林美杏 |
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| 作者单位： | 中南大学商学院; |
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| 摘 要： | 助学贷款制度是政府弥补资本市场失效、干预教育领域资源配置的重要形式,目前,其面临的一个关键问题是金融违约(贷款拖欠),这一问题将直接影响到助学贷款金融制度的可持续发展。从借款者个人效用最大化角度出发,构建了助学贷款的金融违约模型,并分析了影响金融违约的各个因素指标,给出了化解学生助学贷款违约金融风险的对策。
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| 关 键 词： | 助学贷款 金融风险 违约 治理 |
Study on Financial Risk Mechanism and Solutions to Student Loans Default |
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| XIE Yu-qin,LIN Mei-xing.Study on Financial Risk Mechanism and Solutions to Student Loans Default[J].Journal of Guizhou University of Technology(Social Science Edition),2008(5). |
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| Authors: | XIE Yu-qin LIN Mei-xing |
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| Institution: | XIE Yu-qin,LIN Mei-xing (School of Business,Central South University,Changsha 410083 China) |
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| Abstract: | Student loan system is an important means of government functioning in the allocation of education resources.The most crucial problem of this system is default,which determines the sustainable development. This paper sets up a model of student loans default,and analyses factors affecting the amount of default. Then,on the basis of the rhodel and analyses,it proposes some feasible advices to perfect the system of student loans. |
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| Keywords: | student loans finance default solution |
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