摘要
实行助学贷款是发展教育的一项重要政策,但在实施的过程中却出现了"银行有钱贷不出"和"学生没钱贷不到"的尴尬局面,这引起了人们对这项政策的再思考。通过对产生这种现象的内在原因的分析和对银行和学生二者之间预期效用的比较分析,以及对银行和学生行为选择的分析,认为缺乏有效的抵押担保机制和良好的社会信用体系是导致这种现象的重要原因,最后从制度约束和道德约束两方面思考,减少信息不对称现象,增加学生不还贷成本,降低银行风险,不断完善助学贷款制度。
The aiding student loan is an important policy of promoting higher education in china. But in practice ,the bank do not want to offer it ,and the student can not obtain it .This paper give an inherent sake analysis of the policy ,a comparison analysis of expectation utility between bank and student ,and a behavior analysis of them .As conclusion ,the lack of mortgage institution and society credit system is an important sake .This paper think it is necessary to strengthen institution and moral constraint ,reduce information asymmetric ,increase the cost of the unfaithful student ,reduce the risk of bank ,perfect the policy.
出处
《财务与金融》
北大核心
2008年第6期81-84,共4页
Accounting and Finance
基金
湖南省企业战略管理与投资决策研究基地基金资助
关键词
信息不对称
商业银行
助学贷款
信用风险
控制
information asymmetric, Commercial Bank, Student Loan, Credit Risk, Control
