CAJ | 학술논문

国家助学贷款实施6年来取得了显著成效，帮助了很多经济困难学生顺利完感学业。但随着实施范围的扩大和还款期的到来，助学贷款存在的问题也不断暴露出来，其中以贷款的金融风险最为突出，它已经严重阻碍了现行国家助学贷款政策的继续实施。降低助学贷款金融风险，可通过建立个人信用体系，提高违约成本，修改还款方式、延长还款期限，以及加大政策支持力度四个途径来实现。
국가조학대관실시6년래취득료현저성효，방조료흔다경제곤난학생순리완감학업。단수착실시범위적확대화환관기적도래，조학대관존재적문제야불단폭로출래，기중이대관적금융풍험최위돌출，타이경엄중조애료현행국가조학대관정책적계속실시。강저조학대관금융풍험，가통과건립개인신용체계，제고위약성본，수개환관방식、연장환관기한，이급가대정책지지력도사개도경래실현。
State-subsidized student loan has achieved a remarkable success since it was implemented six years ago, helping many poor students complete their studies. However, with the expansion of scope and advent of repayment period, problems arise, the greatest being financial risk, which has seriously hindered the continual implementation of the policy. The risk can be reduced through four ways, namely establishing personal credit system, increasing default cost, revising repayment methods and strengthening policy support.