Concept of operations for the commercialization of college student loans.doc

Concept of operations for the commercialization of college student loans [Abstract] At present, accounting for colleges and universities in more than 20% of the number of poor students rely on student loans to cover tuition fees, complete their education. Our Student Loan single source of funding, lack of commercial bank lending power, the concept of financing obsolete issues such as respect for student loans “quasi-public goods” nature of the commercial contractual relationship to reshape the multi-party relations, and attract private capital through the stock market, highlighting the characteristics of college student loans commercial. [Paper] student loan business of colleges and universities Student loans are a few large state-owned commercial banks to the actual operation. In practice, the past few years has gradually formed a set of initial results of the operation mode designated by the State to solve a large number of poor students tuition to help them successful completion of their studies, but there are loans provided by commercial banks limited indicators, sources of funding, relying solely on commercial banks, and even the national area to stop lending in 2003. Therefore, it is necessary to build the business of the Student Loan new mechanism to play a more effective system of this country. One, college student loans, the difficulties faced by A commercial bank social responsibility awareness There is an almost reasonable point of view, as a market economy, the main commercial banks must operate independently, self-financing, need to pursue to maximize economic profit. Mandatory unless national policy arrangements, I am afraid that the commercial banks is no power to implement the student loans but the reality is that several major commercial banks in China is called the commercial banks, but in reality is a very large state-owned financial enterprises, it is in the support of countries to spare no effort was able to in the survival, d