[1]刘英,林叶青,林立洪,等.我国国家助学贷款违约风险的探析[J].金融教育研究,2013,(03):33-38.
　LIU Ying,LIN Yeqing,LIN Lihong.Analysis on the Default Risk of National Student Loan in China[J].,2013,(03):33-38.
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我国国家助学贷款违约风险的探析()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2013年03期
页码:
33-38
栏目:
出版日期:
2013-06-01

文章信息/Info

Title:
Analysis on the Default Risk of National Student Loan in China
作者:
刘英;林叶青;林立洪;
广东机电职业技术学院经济与管理学院,广东广州,510515; 广东商学院金融学院,广东广州,510320
Author(s):
LIU Ying; LIN Yeqing; LIN Lihong
关键词:
助学贷款; 违约风险; 评分模型; 预警机制; 个人信用评分系统
Keywords:
student loans;  default risk;  scoring models;  early-warning mechanism;  personal credit rating system
分类号:
F832.479
文献标志码:
A
摘要:
我国的国家助学贷款起步较晚,存在很多问题,贷款的违约风险上升,严重制约了国家助学贷款的可持续发展。根据我国助学贷款发展的实情及违约风险的成因,借鉴国外先进助学贷款风险管理经验和贷款违约风险管理理论,尽快构建我国助学贷款风险管理的预警体系,对我国助学贷款的风险进行有效的管理,促进我国助学贷款的可持续发展,提升国民的受教育水平,增加我国的知识竞争力。
Abstract:
China's national student loans started late,hence many problems exist.An increase in the default risk of the loan has seriously hampered the sustainable development of National Student Loan.Based on the development cases of our nation's student loans and the driving forces behind the default risk,drawing lessons from foreign advanced management experience of student loan risk and management theory of default risk,our nation should build an early warning mechanism of student loan risk management as soon as possible,so that we can effectively manage the risk of student loans in China,and promote the sustainable development of our nation's student loans,enhance the national level of education,and increase our knowledge competitiveness.

参考文献/References:

[1]俞 骏.国家大学生助学贷款违约现象分析及对策研究[J].经济师,2005(7).
[2]刘伟林,张邦富.国家助学贷款风险及其管理[J].财经科学,2008(3).
[3]邵雨薇.我国助学贷款风险管理[J].现代商业,2009(6).
[4]黄惠玲.大学生助学贷款违约现象研究[J].福建金融管理干部学院学报,2006(10).
[5]李洪伟.我国商业银行助学贷款风险分析[D].哈尔滨工业大学硕士论文,2009(6).
[6]陆晓霞.国家助学贷款政策研究[D].郑州大学硕士论文,2004(5).

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更新日期/Last Update: 1900-01-01