财经科学
財經科學
재경과학
Finance and Economics
2008年
4期
77~84
,共null页
国家助学贷款 高校 风险 博弈
國傢助學貸款 高校 風險 博弈
국가조학대관 고교 풍험 박혁
Government Student Loans; University; Risk; Game Theory
国家助学贷款是国家为解决贫困大学生问题所采取的主要资助政策，但是近年采贷款学生的高违约率使国家助学贷款的施行陷入了困境。本文通过对银行、高校和学生在国家助学贷款中行为的博弈分析，建立了博弈模型。高校必须主动与银行合作才能更好地防范自身在国家助学贷款中的风险，提出了高校在防范国家助学贷款风险中的角色定位与对策建议。
國傢助學貸款是國傢為解決貧睏大學生問題所採取的主要資助政策，但是近年採貸款學生的高違約率使國傢助學貸款的施行陷入瞭睏境。本文通過對銀行、高校和學生在國傢助學貸款中行為的博弈分析，建立瞭博弈模型。高校必鬚主動與銀行閤作纔能更好地防範自身在國傢助學貸款中的風險，提齣瞭高校在防範國傢助學貸款風險中的角色定位與對策建議。
국가조학대관시국가위해결빈곤대학생문제소채취적주요자조정책，단시근년채대관학생적고위약솔사국가조학대관적시행함입료곤경。본문통과대은행、고교화학생재국가조학대관중행위적박혁분석，건립료박혁모형。고교필수주동여은행합작재능경호지방범자신재국가조학대관중적풍험，제출료고교재방범국가조학대관풍험중적각색정위여대책건의。
Government Student loans is an assistant policy which aims to solve the problem of poverty - stricken college students. However, Government Student Loans is in trouble because of high default rate recent years. A game theory model is founded base on analyzing the relationship among bank, university and student, and we get the conclusion that the university should cooperate with the bank in order to better prevent risk in government student loan. Suggestions for university to prevent government student loan risk are also provided.
