摘要
国家助学贷款制度上的缺陷使得国家助学贷款规模不能满足社会高等教育发展的需要,阻碍了高等教育的公平。作为金融创新工具的助学贷款证券化,对我国高等教育的可持续发展及金融体制的改革有其必要性。文章探讨了资产证券化的基本理论,论述了助学贷款证券化存在的风险和法律障碍,建议国家出台相关政策并改善相关法律环境。
The total scale of student loans cannot meet the needs of the development of higher education because of the insufficiency of state student loan. The asset securitization of student loan can help with the sustainable development of student loan and the reform of the finance system. First of all, this paper points out the problems of State Student Loan, introduces the basic theory of asset securitization, and discusses the risk and legal barriers of asset securitization for state student loan. Finally, it suggests that it's necessary to make relative policy and improve the legal context.
出处
《技术与创新管理》
2010年第1期103-106,共4页
Technology and Innovation Management