国家助学贷款证券化是将助学贷款债权销售给私有资本持有者,使它们成为能在私有资本市场上具有投资价值的资产。在当前的形势下,发展助学贷款证券化产品,将会为助学贷款体系提供更多的资金,并使之具有流动性,分散违约风险。在发展助学贷款证券化的同时,有关部门应对助学贷款提供强有力的担保并解决其高违约率问题,以提高证券化产品的质量。 State student loan securitization sells student loan claims to private equity holders, making them assets that have an investment value in the private capital markets. Under the current circumstances, the development of student loan securitization products will provide more funds for the student loan system and will make it more liquid and diversify the risk of default. While developing student loan securitization, the relevant departments should provide strong guarantees for student loans and solve their high default rate so as to improve the quality of securitized products.