CAJ | 학술논문

我国助学贷款政策历经多次变革形成目前以生源地信用助学贷款为主的助学贷款模式，这种变革离不开政府对助学贷款市场的干预。市场机制下，助学贷款经办银行和借款学生博弈中不可置信威胁的存在导致老机制助学贷款市场失灵。政府干预的作用是将银行信贷资金供给功能与信贷决策功能分离，并将信贷管理与决策交由县级资助中心员工负责，消除了银行拒贷威胁，市场失灵得以纠正，但借款学生道德风险仍是助学贷款政策顺利运行的重要隐患。
아국조학대관정책력경다차변혁형성목전이생원지신용조학대관위주적조학대관모식，저충변혁리불개정부대조학대관시장적간예。시장궤제하，조학대관경판은행화차관학생박혁중불가치신위협적존재도치로궤제조학대관시장실령。정부간예적작용시장은행신대자금공급공능여신대결책공능분리，병장신대관리여결책교유현급자조중심원공부책，소제료은행거대위협，시장실령득이규정，단차관학생도덕풍험잉시조학대관정책순리운행적중요은환。
Locally-granted student credit loans are the main student loan model currently in China , which has been reformed several times by government intervention .Under market conditions ,market fail-ure happens because the incredible threat exists between borrowers and lenders .Government intervention can correct the market failure by separating the banks'functions into two :supplying fund and credit deci-sion .By government intervention ,banks only undertake to supply fund w hile the student financial assis-tance center staff in the counties is responsible for credit management and decision-making ,and the threat of bank refusing to loan is eliminated but the borrowers'moral hazard is still the hidden trouble which can bring about credit risk .