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高校毕业学生助学贷款还款违约行为的主要原因包括还款时间观念淡薄、还款信息不对称、还款能力不足、社会信用体系不完善等。结合国家助学贷款新政策,从博弈的角度对学生还款与否的博弈关系进行分析讨论,根据分析结果可通过加强诚信教育、加强诚信体系的构建解决助学贷款违约问题,进一步提升还款催缴工作的可操作性。
The main reasons for the repayment breach behavior of college graduates’ student loans include the weak concept of repayment time, the asymmetric repayment information, the insufficient repayment ability and the imperfect social credit system. According to the new policy of national student loans, the game relationship between student repayment and repayment is analyzed and discussed from the game point of view. According to the analysis results, the problem of default of student loans can be solved by strengthening the honesty education, strengthening the construction of good faith system and further enhancing repayments Recall the workability of the work.