@article{ART001771715},
author={姜影},
title={Policy dilemma of Government-Subsidized Student Loans (GSSLs) program in China,},
journal={JOURNAL OF CHINESE STUDIES},
issn={1229-3806},
year={2013},
number={40},
pages={323-353},
doi={10.26585/chlab.2013..40.013}
TY - JOUR
AU - 姜影
TI - Policy dilemma of Government-Subsidized Student Loans (GSSLs) program in China,
JO - JOURNAL OF CHINESE STUDIES
PY - 2013
VL - null
IS - 40
PB - CHINESE STUDIES INSTITUTE
SP - 323
EP - 353
SN - 1229-3806
AB - 自从1999年开始实施国家助学贷款政策以来, 高违约率一直是国家贷款政策所面临的巨大挑战。 为何中国国家助学贷款政策会面临这样一个政策困境: 学生不愿还款(高违约率)和银行不愿发放贷款? 本文指出全国性信用体系的不健全, 过短的还款期限, 以及政府的参与度过低导致了高违约率的发生。 进而, 高违约率降低了银行发放贷款的积极性, 甚至停止了国家助学贷款的发放。 国家助学贷款的可持续性发展依赖于银行风险的降低以及毕业生的还款情况。 因此, 政策指定应该考虑一下几个方面: 政府是否应该参与国家助学贷款的担保? 政府如何尽快建立全国性的信用系统? 是否应该延长还款期限? 混合式还款计划是否可行?
KW -
DO - 10.26585/chlab.2013..40.013
ER -
姜影. (2013). Policy dilemma of Government-Subsidized Student Loans (GSSLs) program in China,. JOURNAL OF CHINESE STUDIES, 40, 323-353.
姜影. 2013, "Policy dilemma of Government-Subsidized Student Loans (GSSLs) program in China,", JOURNAL OF CHINESE STUDIES, no.40, pp.323-353. Available from: doi:10.26585/chlab.2013..40.013
姜影 "Policy dilemma of Government-Subsidized Student Loans (GSSLs) program in China," JOURNAL OF CHINESE STUDIES 40 pp.323-353 (2013) : 323.
姜影. Policy dilemma of Government-Subsidized Student Loans (GSSLs) program in China,. 2013; 40 : 323-353. Available from: doi:10.26585/chlab.2013..40.013
姜影. "Policy dilemma of Government-Subsidized Student Loans (GSSLs) program in China," JOURNAL OF CHINESE STUDIES no.40(2013) : 323-353.doi: 10.26585/chlab.2013..40.013
姜影. Policy dilemma of Government-Subsidized Student Loans (GSSLs) program in China,. JOURNAL OF CHINESE STUDIES, 40, 323-353. doi: 10.26585/chlab.2013..40.013
姜影. Policy dilemma of Government-Subsidized Student Loans (GSSLs) program in China,. JOURNAL OF CHINESE STUDIES. 2013; 40 323-353. doi: 10.26585/chlab.2013..40.013
姜影. Policy dilemma of Government-Subsidized Student Loans (GSSLs) program in China,. 2013; 40 : 323-353. Available from: doi:10.26585/chlab.2013..40.013
姜影. "Policy dilemma of Government-Subsidized Student Loans (GSSLs) program in China," JOURNAL OF CHINESE STUDIES no.40(2013) : 323-353.doi: 10.26585/chlab.2013..40.013