【摘要】 国家助学贷款是信用贷款,它无须提供担保、抵押或质押。由于诚信缺失使得违约率和不良贷款率都很高,信用风险成为国家助学贷款的主要风险,也是阻碍国家助学贷款健康发展的主要因素。将信用担保引入助学贷款,利用信用风险定价理论对参与者进行定价,能够有效减少助学贷款中的信用风险问题,降低贷款的违约率,从而推动国家助学贷款健康持续发展。更多还原

【Abstract】 National student loan is an unsecured credit loan without any guaranty of bond,mortgage or hypothecation.The lack of security tools has led to high breach rate of contract,and high rate of nonperforming loan.The credit risk is a major risk and also a major factor to the healthy development of national student loan program.In this paper,credit guaranty is introduced in the national student loan program.Lenders were evaluated based on credit risk evaluation theories.The research shows that the introduction of credit guaranty into the national student loan program will effectively limit the credit risks and lower the breach rate of loan contracts.更多还原