科教导刊
科教導刊
과교도간
THE GUIDE OF SCIENCE & EDUCATION
2014年
29期
4-5
,共2页
助学贷款%违约率%诚信小组%贷后管理
助學貸款%違約率%誠信小組%貸後管理
조학대관%위약솔%성신소조%대후관리
student loan%default rate%integrity group%loan management
国家助学贷款政策体系自颁布以来，取得了非常显著的成效。但由于各种因素影响，长期以来，高校国家助学贷款工作中毕业生按时还贷情况不容乐观。本文选取高校贷款学生的诚信教育和贷后管理作为切入点，结合高校国家助学贷款的实际工作，建立高校贷款学生“诚信小组”互助团体，通过“体验式”的诚信教育和贷款学生团体自我管理的方式，探讨高校贷款学生诚信教育和贷后管理的新途径，以推动高校国家助学贷款工作的良性循环、降低贷款违约率的可行性，这无疑是具有重要的理论意义和现实意义的。
國傢助學貸款政策體繫自頒佈以來，取得瞭非常顯著的成效。但由于各種因素影響，長期以來，高校國傢助學貸款工作中畢業生按時還貸情況不容樂觀。本文選取高校貸款學生的誠信教育和貸後管理作為切入點，結閤高校國傢助學貸款的實際工作，建立高校貸款學生“誠信小組”互助糰體，通過“體驗式”的誠信教育和貸款學生糰體自我管理的方式，探討高校貸款學生誠信教育和貸後管理的新途徑，以推動高校國傢助學貸款工作的良性循環、降低貸款違約率的可行性，這無疑是具有重要的理論意義和現實意義的。
국가조학대관정책체계자반포이래，취득료비상현저적성효。단유우각충인소영향，장기이래，고교국가조학대관공작중필업생안시환대정황불용악관。본문선취고교대관학생적성신교육화대후관리작위절입점，결합고교국가조학대관적실제공작，건립고교대관학생“성신소조”호조단체，통과“체험식”적성신교육화대관학생단체자아관리적방식，탐토고교대관학생성신교육화대후관리적신도경，이추동고교국가조학대관공작적량성순배、강저대관위약솔적가행성，저무의시구유중요적이론의의화현실의의적。
National student loan policy system since the enactment achieved very significant results. However, due to vari-ous factors, for a long time, the work of the national student loan college graduates to repay on time the situation is not opti-mistic. This paper selects the integrity of college student loans and loan management education as an entry point, combined with the actual college student loan, establish college student loans"integrity group"mutual aid groups, through the"exper-ience"of credit education loans to student groups and self-manage and explore new ways of college student loans and credit education loan management in order to promote a virtuous circle college national student loans work, reducing the feasibility of loan delinquencies, which undoubtedly has important theoretical and practical significance.
