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外部性、公平性与道德风险——对国家助学贷款的制度性分析 被引量:4

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摘要 当前国家助学贷款因欠贷率高导致供给严重不足 ,影响了科教兴国战略的实施 ,因此深入分析其欠贷率高的原因具有理论和现实意义。文章首先从教育投资的外部性和公平性的角度分析了国家助学贷款这种制度安排的必要性 ,然后用博弈论的方法分析了欠贷率高是由于在信息不对称的情况下 ,这一制度存在的缺陷诱发了学生的道德风险 ,在此基础上建议尽快建立个人信用体系以保证此项贷款的健康发展 ,并由政策性银行替代商业银行来承办这项公益性的信用贷款。
作者 周雪莲
出处 《经济师》 北大核心 2004年第12期25-26,共2页
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