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students loans
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  助学贷款
    Analysis of the current situations and countermeasures of national students loans
    国家助学贷款的现状及应对措施
短句来源
    Analysis on the Causation and Countermeasure of the Default in Returning State's Students Loans
    国家助学贷款违约原因与对策分析
短句来源
    A Study of the Defects in New Policy of National Students Loans
    国家助学贷款新政策存在的不足及对策研究
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    Pension funds are properer in providing students loans than commercial banks
    由养老保险基金提供助学贷款比商业银行更合适
短句来源
    The article argues that granting students loans by social security cards from social security fund can radically solve the dilemma of students' credit squeeze and the student loan risk control.
    利用社保基金,通过社保卡向贫困大学生提供助学贷款,能够从根本上解决大学生贷款难和风险控制问题。
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  students loans
At the same time the need for experimentation with several alternatives, including student fees, students loans, graduate tax, and privatization in general is emphasized.
      
The Nigerian Students Loans Board was first established in 1972, and between 1973 and 1991 it provided loans totalling 46 million Naira, to help Nigerian students finance undergraduate or postgraduate study in Nigeria or abroad.
      


As a new area of personal consumer credit,students loan meets with some problems in its implementation. The essay analyses these problems and suggests some countermeasures.

高等教育个人成本分担机制使国家助学贷款应运而生。作为新开辟的个人消费信贷领域 ,助学贷款在实施过程中并非一帆风顺。为此 ,分析了助学贷款操作中所暴露的一些问题 ,提出了相应的对策

The paper mainly discusses the credit of colleges students for the commercial banks develop the business of the state student loan without any guarantee, mainly study how to evaluate and ask advise of student credit.

本文根据国家以信用方式在全国范围内广泛推进无担保的国家助学贷款 (即有财政贴息的学生消费贷款 )工作的实践需要 ,为解决商业银行要完成对学生发放信用贷款 (商业性贷款 )的政策任务 ,但又无法掌握学生信用的现实困难 ,借鉴和吸收美国等西方国家建立个人信用评价和信用度评估测算技术 ,研究得出了如何建立我国大学生信用评价、征询体系的方案 ,并对学生的每一类、每一条信用信息分毕业前和毕业后二个阶段 ,建立了量化指标、评分模型设计和奖惩机制设计。

This paper studies the demand and supply of student loans, to show how the central bank credit policy works and the administration oriented innovation. The conclusions are following. First, given the income constraint in under developed regions, there is an excess demand on student loans and less incentive for financial institutions. Second, the conflict between central bank's social welfare target and commercial bank's profit target effect the policy effectiveness. Third, a policy incentive should...

This paper studies the demand and supply of student loans, to show how the central bank credit policy works and the administration oriented innovation. The conclusions are following. First, given the income constraint in under developed regions, there is an excess demand on student loans and less incentive for financial institutions. Second, the conflict between central bank's social welfare target and commercial bank's profit target effect the policy effectiveness. Third, a policy incentive should be arranged to promote the policy implementation.

商业银行助学贷款业务存在宏观与微观两个层面的经济意义。在宏观面,助学贷款业务的开展体现了中央银行窗口指导政策的有效性;在微观面,助学贷款的推广模式代表了行政推动型产品创新。立足于这两个层面,本文对湖北咸宁的助学贷款发展情况进行了个案研究,基本结论如下:第一,在经济欠发达地区,助学贷款存在较大的供求缺口,直接原因是行政推动型金融产品创新对金融机构的激励不足和公共品式的过度需求;第二,中央银行窗口指导的“社会效益”目标与商业银行利润目标间的不一致是影响政策有效性的基本原因;第三,作为窗口指导,业务推广必须与利益导向相结合才能切实起到政策激励作用;作为产品创新,仍应坚持自发创新为主,行政推动为辅。

 
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