国家助学贷款中银行业惜贷现象研究.docVIP

国家助学贷款中银行业惜贷现象研究 　　摘要：国家助学贷款是支撑“科教兴国，人才强国”战略的重大举措，但由于存在部分学生逾期偿还贷款的现象致使银行受到相当程度的损失，惜贷现象广泛存在。本文从银行收益的角度出发，通过分析逾期还款对银行造成的影响，提出解决方案，缓解银行惜贷现象，使得助学贷款在完善教育体系中能更好的发挥作用。 　　关键词：国家助学贷款；惜贷现象；防范措施 　　Abstract A major initiative of the national student loan is the support of rejuvenating the country through science and education，talent powerful nation the strategy，but due to the presence of some students fail to repay the loan phenomenon causes the bank suffered a considerable degree of loss，credit crunch phenomenon widespread. The from the angle of bank earnings of through analysis of late repayment