论文部分内容阅读
目前,因违约而升高的不良贷款率,已经严重影响到了生源地信用助学贷款的正常运转。基于调查和数据分析,违约现象的原因主要是恶意欠款与经济困难无法还款。通过分析这些原因,统筹兼顾大学生毕业后的实际还款能力,讨论了建立和完善新型合理、科学灵活、规范有效的还款机制,既体现其贷款政策的公益性与帮扶性,又能确保贷款回收顺利进行,从而为新形势下该政策的进一步实施提供完善的制度保障,促进国家助学贷款工作持续稳定发展。
At present, the non-performing loan ratio, which has been raised as a result of breach of contract, has seriously affected the normal operation of student loans for student credit. Based on the survey and data analysis, the reasons for the default are mainly malicious arrears and financial difficulties can not repay. By analyzing these reasons, the Bank makes overall consideration of the actual repayment ability of graduates after graduation, discusses the establishment and improvement of a new reasonable, scientific and flexible, standardized and effective repayment mechanism, which not only reflects the public welfare and helping nature of its loan policy, but also ensures Loan recovery smoothly, so as to provide a perfect system guarantee for the further implementation of the policy under the new situation and promote the sustained and steady development of the national student loan.