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state-subsidized student loans
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     state.
     state.
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     State and V. T.
     Stace和V.T.
     Sex and the City-state
     性感都市新加坡(英文)
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     Solid-State Redox
     固体氧化还原作用
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     Legalization of Government Subsidized Student Loan
     国家助学贷款的法制化
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As student borrowers default on their loans, the state-subsidized student loan system falls in the plight of the loans' application and lending this year. The essential reason for the situation is the serious defects in the design of Chinese state-subsidized student loan system. Therefore, to further improve the state-subsidized student loan system some new countermeasures must be taken, such as the burden which students in economic difficulties in returning loans...

As student borrowers default on their loans, the state-subsidized student loan system falls in the plight of the loans' application and lending this year. The essential reason for the situation is the serious defects in the design of Chinese state-subsidized student loan system. Therefore, to further improve the state-subsidized student loan system some new countermeasures must be taken, such as the burden which students in economic difficulties in returning loans will take should be alleviated, a credit rating system and a subsequent remedy mechanism for defaulted loans should be established .

由于毕业大学生还贷状况不佳,我国的国家助学贷款制度今年进入申贷两难的困境。造成这种局面的根本原因在于我国现行国家助学贷款制度的设计存在严重缺陷。因此,应采取减轻贫困大学生的还贷压力、建立健全信用评价体系及违约贷款的事后补救机制等对策来弥补现行国家助学贷款制度的缺陷。

State-subsidized student loan has achieved a remarkable success since it was implemented six years ago,helping many poor students complete their studies.However,with the expansion of scope and advent of repayment period,problems arise, the greatest being financial risk,which has seriously hindered the continual implementation of the policy.The risk can be reduced through four ways,namely establishing personal credit system,increasing default cost,revising repayment methods and strengthening policy...

State-subsidized student loan has achieved a remarkable success since it was implemented six years ago,helping many poor students complete their studies.However,with the expansion of scope and advent of repayment period,problems arise, the greatest being financial risk,which has seriously hindered the continual implementation of the policy.The risk can be reduced through four ways,namely establishing personal credit system,increasing default cost,revising repayment methods and strengthening policy support.

国家助学贷款实施6年来取得了显著成效,帮助了很多经济困难学生顺利完成学业。但随着实施范围的扩大和还款期的到来,助学贷款存在的问题也不断暴露出来,其中以贷款的金融风险最为突出,它已经严重阻碍了现行国家助学贷款政策的继续实施。降低助学贷款金融风险,可通过建立个人信用体系,提高违约成本,修改还款方式、延长还款期限,以及加大政策支持力度四个途径来实现。

State-Subsidized Student Loan is a main focus of the government in higher educational institution of China.It is granted by state banks to college students and provided with pay interest through the“Student Loan”special account fund set up by education departments.Although,great efforts have been made,the practice of‘Student Loan’did not function well enough as expected.For one thing,the state banks and national share holding banks have the obligation to abide by the government...

State-Subsidized Student Loan is a main focus of the government in higher educational institution of China.It is granted by state banks to college students and provided with pay interest through the“Student Loan”special account fund set up by education departments.Although,great efforts have been made,the practice of‘Student Loan’did not function well enough as expected.For one thing,the state banks and national share holding banks have the obligation to abide by the government policy; yet,for another,as commercial banks,it is not profitable to invest in this credit business.We empirically analyze this contradiction and the unbalance in regional distribution of the‘Student Loan’.Furthermore,we discuss how the compensation fund can be introduced to facilitate the smooth functioning of the coan and how to motivate major state banks by financial reward.

国家助学贷款在帮助众多贫困大学生顺利完成学业方面发挥了重要的作用。但是在具体的操作中,这项利国惠民政策的实施并不顺利。本文分析了商业银行在执行政策性项目与商业性项目运作之间存在矛盾的金融性原因,期望在市场经济规律的原则下,从改善现有方法的角度提出几点对策。

 
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