关于助学贷款风险控制的思考

我国大学生助学贷款风险较大,导致商业银行普遍不愿发放助学贷款。人们普遍认为银行助学贷款的制约瓶颈是大学生信用差,而事实上是由于目前助学贷款制度设计不合理造成的。利用社保基金信用体系,向贫困大学生提供助学贷款,能够从制度上遏制助学贷款的风险。

A Reflection on the Risk Control of Student Loans

The great risk of the student loans in our country results in the unwillingness for the commercial banks to grant the student loans. It is considered that the bottleneck lies in the bad credibility of the university students. As a matter of fact, however, it is caused by the unreasonableness of the system arrangement. Making use of the credibility system of the social security fund to grant loans for the poor students, can reduce the risk of the student loans by system arrangement.