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Research on guarantee in the Government-Subsidized Student Loans scheme (GSSLS)

Author: ChenHao
Tutor: ShenHong
School: Huazhong University of Science and Technology
Course: Educational Economy and Management
Keywords: National Student Loan Credit Guarantee
CLC: F832.479
Type: Master's thesis
Year: 2005
Downloads: 336
Quote: 11
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Abstract


The national student loan policy is an unsecured credit loans from such policies and regulations and commercial bank loans to commercial criteria. Banks may face the risk of uncollectible loans, so banks are reluctant to issue loans, the phenomenon of the \How to reform the national student loan policies and programs to promote the development of the national student loan is a very hot pursuit of the task. First, the article analyzes the reality of student loans in the country, after the 51 documents released by the General Office of the State Council in June 2004, focusing on analysis of the new policy established \gold \Second, from the point of view of comparative analysis, the article examines the U.S. Federal Family Education Loan in the operation of the program to provide loans for students and SMEs in China in its development, obtain policy loans. By comparison, specially secured business credit guarantee SME loans in the Federal Family Education Loan and China has played an irreplaceable role to that and loans operated in accordance with the laws of the market. Again, because college students neither reliable \The paper proposes, can be a solution to this problem by introducing a credit guarantee institutions. From the banking reform, government reform, the implicit guarantee explicit guarantee conversion and the development of personal consumer credit demonstrates the necessity of the introduction of credit guarantee institutions, and at the same time and from the development status of the credit guarantee institutions, the nature of the poor students, the government in leading role in the credit guarantee institutions, and the experiences of other countries has demonstrated the feasibility of the the lead credit guarantee institutions in the National Student Loan. Finally, from the perspective of guarantee proposed policy credit guarantee institutions to provide security for the poor students, in order to establish the national student loan credit guarantee system. And then use the information economics commissioned - agency theory established national student loan credit guarantee system analysis, pointed out that the principal - agent relationship between the participating subjects proposed incentive Different Stakeholders constraint measures. The aim is to maximize the role of credit guarantee institutions to achieve sustainable development of the national student loan.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit > Consumer Credit
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