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国家助学贷款的一个突出问题就是国家助学贷款面太窄,供求矛盾十分突出,且存在巨大的贷款风险。解决国家助学贷款难关键就在于健全风险防范与补偿机制。风险投资体系提供了助学贷款的风险社会化承担的机制,它一方面减少了银行所承担的风险程度,提高了银行放贷的积极性;另一方面有效防止了助学贷款发放过程中的风险向国家过度集中,将风险投资引入助学贷款提高银行机构助学贷款的积极性,促进贫困大学生的借款动机,从而增进了助学贷款体系的稳健性。
A prominent problem of the national student loans is that the national student loans are too narrow, the contradiction between supply and demand is very prominent, and there is a huge loan risk. The key to solving the problem of national student loans is to improve the risk prevention and compensation mechanism. The venture capital system provides a mechanism for socializing the risks of student loans. It not only reduces the degree of risk borne by banks but also increases the bank’s lending enthusiasm. On the other hand, it effectively prevents the risks in the course of issuing student loans The excessive concentration of the state, the introduction of venture capital into student loans to improve the student bank loans initiative, and promote the motivation of poor college students to borrow loans, thus enhancing the robustness of student loan system.