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。
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.
出处
《北京工业大学学报（社会科学版）》
2004年第2期84-88,共5页
Journal of Beijing University of Technology (Social Sciences Edition)
基金
北京市教育科学"十五"规划课题(CDA02226)
关键词
助学贷款
高校收费
成本分担
学生资助
风险防范
student loan
college tuition
cost sharing
financial aid to student
risk prevention
