CAJ | 학술논문

国家助学贷款制度的施行已历经十六年,但在推行过程中存在着政策性目标与商业性目标对立、制度设计规定缺乏人性化和灵活性以及回收机制不完善,违约率高等问题.通过谋求助学金融制度创新,推动助学金融服务社会化是健全和完善我国当前助学贷款政策体系的一条新路径.将P2P这一互联网金融创新引入到助学借贷领域,能有效缓解和弥补当前国家助学贷款制度存在的主要问题和不足,从而为贫困大学生营造更为良好宽松的助学借贷环境.
국가조학대관제도적시행이력경십륙년,단재추행과정중존재착정책성목표여상업성목표대립、제도설계규정결핍인성화화령활성이급회수궤제불완선,위약솔고등문제.통과모구조학금융제도창신,추동조학금융복무사회화시건전화완선아국당전조학대관정책체계적일조신로경.장P2P저일호련망금융창신인입도조학차대영역,능유효완해화미보당전국가조학대관제도존재적주요문제화불족,종이위빈곤대학생영조경위량호관송적조학차대배경.
The implementation of the national student loan system has gone through sixteen years, but there have been some problems in the process of its implementation:the opposition between policy targets and business goals, lack of humanization and flexibility, recovery mechanisms are inadequate, high default rates and so on. By seeking student financial system inno-vation, and promote the socialization of student financial services is a new path to improve and perfect our current student loan policy system. P2P the Internet financial innovation will be introduced to the student lending, can effectively relieve the main problems and make up for the shortcomings existing in the current national student loan system , so as to poor college students to create a more comfortable student lending environment.