CAJ | 학술논문

银行助学贷款计划是我国通过金融手段支持教育发展的一项新的尝试性举措，在缓解贫困大学生的就学资金压力方面起到了一定的积极作用。但目前由于我国信用体系的缺失、银行助学贷款制度政策设计方面的缺陷等原因，助学贷款业务一度出现了高违约率现象，全国享受助学贷款大学生的平均违约率接近20%。如此之高的违约率导致银行缩减助学贷款业务甚至停办，而银行作为我国助学贷款计划的唯一提供者和执行者，也面临着很大的风险。本文通过对银行助学贷款发放情况进行调研，了解福建省国家助学贷款发放情况及现有助学贷款机制存在的问题，分析学生欠款可能的原因，并从贷款发放和回收两方面提出解决方法，以期降低商业银行助学贷款业务的整体风险，促进我国商业银行助学贷款业务的持续健康发展。
은행조학대관계화시아국통과금융수단지지교육발전적일항신적상시성거조，재완해빈곤대학생적취학자금압력방면기도료일정적적겁작용。단목전유우아국신용체계적결실、은행조학대관제도정책설계방면적결함등원인，조학대관업무일도출현료고위약솔현상，전국향수조학대관대학생적평균위약솔접근20%。여차지고적위약솔도치은행축감조학대관업무심지정판，이은행작위아국조학대관계화적유일제공자화집행자，야면림착흔대적풍험。본문통과대은행조학대관발방정황진행조연，료해복건성국가조학대관발방정황급현유조학대관궤제존재적문제，분석학생흠관가능적원인，병종대관발방화회수량방면제출해결방법，이기강저상업은행조학대관업무적정체풍험，촉진아국상업은행조학대관업무적지속건강발전。
The student loan project is a new tentative measure to support the development of education in Chi-na through financial means, playing a certain positive role in the alleviation of school funding pressures of impov-erished college students. However, due to lack of reliable credit system and defects in design of bank loans policy system, student loan business once appeared a phenomenon of high default rate. The average default rate of student loan for college students reached 20%. Such high default rates have often led the banks to reduce the student loan business or even close the business. As the only provider and operator of national student loan program, the banks are also faced with great risks. Through the investigation of bank student loans, understanding of situation of the national student loans in Fujian Province and the existing problems, this paper analyzes the causes of student debt and puts forward the solution from the aspects of granting and reclaiming of loans in order to reduce the overall risks of loan business of commercial banks and promote sustainable and healthy development of the bank loan business of China's commercial banks.