| 规避国家助学贷款风险的社会保险整合对策 |
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| 引用本文： | 朱相诚,黄波粼.规避国家助学贷款风险的社会保险整合对策[J].中国科技信息,2006,22(18):314-316,322. |
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| 作者姓名： | 朱相诚 黄波粼 |
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| 作者单位： | 1. 吉首大学商学院,416000
2. 华东师范大学法政学院 |
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| 摘 要： | 由于普遍信用体系的缺失，作为政策的信用性定位与中标银行的商业化运作，目前我国国家助学贷款存在风险防范的制度性缺陷，导致较高的系统性偿还违约风险。实现国家助学贷款与社会保险制度整合运行，化信用贷款为担保贷款，变事后被动追缴为主动扣除的风险规避制度创新可以在全社会范围内积累与有效配置教育资源，实现其向人力资本转化，在更广义的层面上实现效率优先与兼顾公平。
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| 关 键 词： | 国家助学贷款 社会保险 风险 担保 |
Countermeasure of Social Insurance Integration for Evading the Risk of National Student Loan |
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| Zhu Xiangcheng,Huang Bolin.Countermeasure of Social Insurance Integration for Evading the Risk of National Student Loan[J].CHINA SCIENCE AND TECHNOLOGY INFORMATION,2006,22(18):314-316,322. |
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| Authors: | Zhu Xiangcheng Huang Bolin |
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| Institution: | Jishou University,School of Business,Jishou,Hunan,416000,Huadong Normal University,School of Law and Politics,Minghang,Shanghai,200062 |
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| Abstract: | Lacking of universal credit system at present, systematic flaw in risk evading of national student loan leads to high rate of no payment systematically as localizing at credit loan under policy and commercial operation by the bank of bid winner. Operation of national student loan under the integration with social insurance will transfer the loan from credit to guaranty, which makes the government subtract forwardly other than go after passively when student does not pay in time. This innovation can accumulate and collocate educational resource effectively all over society, transform it to human capital and make efficiency first while give attention to equity in more general aspect. |
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| Keywords: | national student loan social insurance risk guaranty |
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