论文部分内容阅读
“河南模式”是国家助学贷款的一项创新之举。“河南模式”校园地国家助学贷款和生源地信用助学贷款,作为我国家庭经济困难大学生的国家助学贷款的两种模式正在全国推广。本文作者在国家助学贷款工作实践调查的基础上总结了“河南模式”在实际运行中还存在的一些问题:如个人信用制度没有完全建立,国家贷款违约情况仍然存在;助学资助覆盖率不全,部分高校仍存在“惜贷”现象;宣传教育不到位,与借款毕业生的联系不畅通;缺乏有效的制度约束,代偿机制的形式较为单一等。因此,“河南模式”的国家助学贷款体系的完善和机制的有效运行,单靠建立高校风险防范的机制是远远不够的,必须在市场经济框架下完善国家助学贷款制度的设计。
“Henan model ” is an innovative move of the country student loans. “Henan model ” campus national student loans and student credit loans, as our country’s economically disadvantaged college students state loan two models are being promoted throughout the country. Based on the investigation of the national student loans practice, the author summarizes some problems in the actual operation of the “Henan Model”: if the personal credit system is not fully established and the state loan defaults still exist; Lack of rate, some colleges still exist “loot ” phenomenon; publicity and education is not in place, and borrowing graduates is not smooth; lack of an effective system of restraint, the form of a more simple compensation mechanism. Therefore, perfecting the national student loan system of “Henan Model ” and the effective operation of the mechanism are not enough just to establish risk prevention mechanism in colleges and universities. We must perfect the design of national student loan system under the framework of market economy .