摘要
信息的完全和透明是助学贷款规范运行、健康发展的基本条件,信息不对称现象的存在,容易产生逆向选择和道德风险,影响助学贷款的运作效率。应针对我国助学贷款实施过程中的实际情况,采取具体有效的对策来解决助学贷款中信息不对称问题。
Complete and transparent information is the premise for the normal and healthy implementation of the students' financial loan.The existence of information asymmetry gives rise to adverse choices and moral risks,thus decreasing the efficiency of the loan operation.This paper analyzes the harmful influences that information asymmetry exerts upon the financial loan,and proposes the corresponding countermeasures to overcome them on the basis of the practice of the financial loan in China.
出处
《汕头大学学报（人文社会科学版）》
2005年第6期79-81,共3页
Journal of Shantou University(Humanities and Social Sciences Edition)
关键词
信息不对称
助学贷款
影响
对策
information asymmetry
students' financial loan
influence
countermeasures
