CAJ | 학술논문

研究表明,学生贷款违约受诸多因素的影响。然而,这些因素是如何诱发学生违约的？运用计划行为理论来解释学生还贷行为发生机理是有局限的,为此本文构建了借款学生偿还行为选择的理性模型。在这个模型中,借款学生的偿还资源是行为选择的物质基础,偿还意向是行为选择的动力机制,偿还情境是行为选择的制约机制,借款学生的意志水平和对偿还行为实际的控制能力是行为发生的调节机制,借款学生偿还行为选择的（预期）结果及相应的社会评价是偿还行为的反馈机制。学生还贷行为的选择,是由借款学生还贷的意向、偿还的情境条件、可用于还贷的资源,以及偿还贷款行为的意志和控制能力共同作用的结果。
연구표명,학생대관위약수제다인소적영향。연이,저사인소시여하유발학생위약적？운용계화행위이론래해석학생환대행위발생궤리시유국한적,위차본문구건료차관학생상환행위선택적이성모형。재저개모형중,차관학생적상환자원시행위선택적물질기출,상환의향시행위선택적동력궤제,상환정경시행위선택적제약궤제,차관학생적의지수평화대상환행위실제적공제능력시행위발생적조절궤제,차관학생상환행위선택적（예기）결과급상응적사회평개시상환행위적반궤궤제。학생환대행위적선택,시유차관학생환대적의향、상환적정경조건、가용우환대적자원,이급상환대관행위적의지화공제능력공동작용적결과。
Lots of researches indicate that student loan default is influenced by a great many factors.Whereas,how do these factors induce student default？ There has been some constraint to explain repayment behavior mechanism with plan behavior theory,so the paper constructs a ideal model for repayment behavior choice of student borrowers.In this model,we found that repayment resources compose the matter bases of behavior option,the repayment willingness is the dynamics of behavior option,the repayment circumstance is the restraint mechanism,student borrowers＇ volition and real controlling abilities are the regulation mechanism of behavior occurrence,the result from their behavior option and social evaluation are the feedback mechanism of repayment behavior.Thereby,the option of student repayment behavior is an outcome of collective function by students＇ repayment willingness,repayment circumstance,available resources to repay,as well as the volition and controlling abilities of loan repayment behavior.