高校国家助学贷款风险防范机制的研究.pdfVIP

摘 要 本文以委托代理理论、博弈理论、信贷风险管理理论为理论基础，通过规范分 析、实证分析和比较研究的方法，对高校国家助学贷款的风险防范问题加以研究。 首先，本文对高等学校中存在的国家助学贷款风险进行分析。国家助学贷款中 存在的拖欠现象不仅给贷款发放机构（银行）带来了风险，同时也给所在高校带来 巨大的风险和损失。随着国家助学贷款新模式的运行，高等学校不仅要承担学生违 约所造成的风险金赔偿，同时还要面临着隐性担保风险、社会声誉、未来生源、管 理等方面的风险和损失。 其次，本文探究了在高等学校中国家助学贷款风险形成的各方面原因。宏观方 面有制度和社会原因；微观方面有学生的主观、客观原因以及高校自身的原因。 最后，本文探讨了在高等学校要建立健全管理国家助学贷款的组织体系，在贷前 加强对贷款学生的教育引导和信用评估；在贷中为贷款学生建立信用档案和奖惩机 制；在贷后建立学生担保人制度，联系贷款学生催收贷款，以达到风险控制的目的。 并在此基础上，提出了高等学校国家助学贷款风险防范机制。与此同时，高校也应从 强化学科建设与就业指导，政府从完善国家助学贷款管理体系等方面建立起高校国家 助学贷款风险防范的支持体系。 关键词：高等学校 国家助学贷款 风险防范 I Abstract According to the entrustment-agency theory, the game theory, the theory of credit risk management, this article has studied the risk prevention of state educat ional loans to the state colleges and universities, through normative analysis, empirical analysis and comparative study of methods. First, this article has analyzed the existence of the higher state educational loans risk. The delinquency phenomenon of state educational loans has caused enormous risks and losses not only to the institutions (banks), but also to the host colleges and universities. With the new model of the national educational loans operation, the colleges and universities not only have to bear the risk of default resulting from the compensation, but also to face hidden security risks, social reputation, future sector recruits, and management of risks and losses. Secondly, this article has analyzed the various reasons for the higher risk of state educational loans. A macro system and social causes; Micro aspects of a students subjective and objective reasons as well as the colleges and universities their o