国家助学贷款的风险及规避-教育经济与管理专业论文.docxVIP

华中科技大学硕士学位论文摘要 华中科技大学硕士学位论文 摘要 f f随着我国高等教育收费制度改革的日益深化，在高等教育“成本分担”理论的 有力支持下，我国自1999年开始实行国家助学贷款计划。目的是为了解决部分高校 贫困学生无力承担高等教育费用的问题，以帮助他们顺利完成学业。该计划实旖以 后，受到了社会各界的广泛关注并获得了一致认可。然而国家助学贷款计划的实旅 并非一帆风顺，而是遇到了诸多困境与难题。风险问题就是其中的～个具有重大影 响力的关键因素。1 在国家助学贷款现有运行机制下，贷款计划中的各个参与方(银行、学校、政 府与学生)相互联系、相互影响、相互制约，各方均有可能遭遇到一定程度上的风 险。在一定条件下出于自身利益的考虑，参与各方都可能做出不利于整个计划实施 的选择，导致贷款实施中的各种问题。文中首先对参与各方的风险进行了深入分析， 进而揭示出各种风险形成的根本来源——贷款偿还的拖欠问题。因此阻止贷款偿还 拖欠现象的发生就是从根本上降低系统整体风险。在此基础上，本文进～步分析了 贷款拖欠率的降低所能带来的各方利益上的“共赢”，因此各参与方有可能在降低贷 款拖欠率上达成共识与统一。最后，文中提出了针对参与各方而制定的风险规避建 议。由于参与各方均有一定的内在动力和能力降低贷款偿还拖欠，因此在明确了自 身的风险与利益之后各方通过共同努力解决贷款偿还拖欠问题，不仅能够获得各自 的利益，而且从根本上回避了风险产生的根源，是规避风险的有效途径。 关键词：国家助学贷款 贫困生风险＼风险规避 I 华中科技大学项士学位论文Abstract 华中科技大学项士学位论文 Abstract With the advancement of the reform in higher education charging system and the suppor【of the theory of cost sharing，Chinese govemment started to use GSSLS (Government‘subsidized Student Loan Scheme)to help the needy students in higher education institutions to complete their education successfully．The scheme has caused a much extensive concelTl and has won the recognition of the public．However，there are still many obstacles and problems in the way of the scheme’S implementation，and the problem ofrisk is the key factor among them． There are 4 parties in the GSSLS system in all，which are banks，higher education institutions，government and students．To some extent，each of them would suffer risk due tO their mutual relationship，influence and restriction．And each of them would possibly make some choices based on their own standpoints and benefits，but sometimes these choices will do harm to the running ofthe whole system and the problems ofvarious kind will occRr．Therefore，this thesis is intended tO make deep analysis about the risks shouldered by each party and try to reveal the root of the formation of various risks． According to the analysis and survey,the root of risks is the loan default．Then，a conclusion is drawn that to avoid the loan default is to avoid all the risks in the syste