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国家助学贷款实施过程中,学生的频繁逾期违约问题,使得高校和银行都出现了惜贷现象,这一问题在很大程度上影响了国家助学贷款工作实施的进程。为了降低贷款学生违约率,本文提出了从集成优势资源的视角出发,创新性的构建了银行与高校共建贷款管理中心的合作模式,该模式不仅有助于降低贷款流程的时间拖延情况,而且从成本和追讨成功比例的角度上,极大地提高了银行的逾期追讨效率,最终解决了银校惜贷问题。
In the course of implementing the national student loans, frequent student overdue defaults have led to the phenomenon of looting at universities and banks. This problem has greatly affected the implementation of the national student loans. In order to reduce the default rate of loan students, this paper proposes that from the perspective of integrating superior resources, this paper constructs innovatively the cooperation model of bank-university co-construction loan management center, which not only helps to reduce the time delay of loan process, but also From the point of view of cost and the percentage of successful recovery, the efficiency of overdue recovery of banks has been greatly raised, which finally solved the problem of banks’ loaning loans.