【摘要】 我国高校助学贷款是一个涉及众多利益主体的复杂系统行为,实施过程中出现了多目标冲突下的困境。现代大学与助学贷款的特殊经济性质决定了高校助学贷款主要是知识贸易贷款,而金融产品的可分性使其业务主要是知识贸易金融合约,具有个人和社会双重知识型人力资本投融资性质,而且存在知识市场失灵的可能。助学贷款的成功发展既需要银行借助细分产品加强业务管理,参考知识周期确定还贷期限,依托信息优势拓展协同贷款,根据风险来源确定担保方式,同时也需要政府为平衡贷款利率实施差别财政补贴。高校助学贷款实质是基于知识贸易的教育金融工具和政策工具。更多还原

【Abstract】 In China’s universities, the student loan is a complicated and systematic process that involves numerous interest bodies, and currently is in a predicament because of targets conflict. The university’s student loan is mainly the credit of knowledge trade due to the special economic natures of the modern university and the student loan.The divisibility of the financial product makes its business a financial contract of knowledge trade and have the knowledge-type investment and finance characteristic of both the personal and social human capital. It also has the possibility of knowledge market failure. The successful development of the student loan needs banks to reinforce operation management by subdividing the products, determine loan term according to knowledge cycle, expand synergetic loan by the information superiority, choose the hypothecating method by recognizing risk source, also need government’s distinguishing finance subsidies for the equilibrium of interest rate. The student loan is essentially an educational financial and policy tool based on knowledge trade.更多还原