信用消费（Credit consumption）.docVIP

信用消费（Credit consumption） Education grant loans include commercial sex education and financial discount countries There are 2 kinds of home grant loan. State student loans are not purely Commercial loans are subsidized by the state, but for the bank, because of the principal Out of the bank, there is still some risk. Relative to state aid For loans, other student loans are more risky. How to get a student? Loans are not subject to high risk, which is the banks most concern. According to statistics from the Ministry of education, 2000 In 2008, there were 1813 institutions of higher learning in China, 20% of them Belong to poor students; at least 9 million on the base of 1 million 800 thousand People need to borrow money to go to school. According to conservative ratio, each person needs To 10 thousand yuan to pay tuition and living expenses, the total amount of about 18 billion yuan, But it must be solved by means of student loans and so on 10 billion yuan. Thus, the actual demand for student loans is enormous The. The difficulty of bidding for student loans (1) lack of credit guarantee in the credit consumption market; (two) the operating rules of student loans are not satisfactory 1., banks are too one-sided in terms of applicants for student loans. 2., the repayment period of student loans is too short. 3., the loan procedures are too complex and the service quality of the banks is poor. 3., the loan procedures are too complex and the service quality of the banks is poor. How to solve the problem of student loans (1) schools and banks should strengthen cooperation (two) improve the operating mechanism of loan issuance and repayment (three) create a favorable social environment for loans and repayment Colleges and universities should also make full use of media publicity and ideological and political education to cultivate learning Born with a sense of social responsibility and social ethics, balance family financial difficulties The mentality of students, so that t