| | | | | 对助学贷款的再认识 | | | 杨华,黄艳红 | | | 助学贷款的出现 ,不仅意味着金融业务在居民领域的延伸 ,还标志着我国教育体制从计划体制向社会主义市场经济体制转化 ,大众化非义务教育进入可操作阶段。银行、学子及其家长对教育贷款投资特性、经济价值的认识差异 ,是助学贷款供需难以沟通的症结所在。只有建立现代投资、消费和信贷理念 ,借贷双方在市场经济原则上取得共识 ,才能促进助学贷款的良性循环 ,达到社会效益与经济效益双赢的效果。
【作者单位】：河南财经学院财政金融系!河南郑州450002(杨华);交通银行郑州分行!河南郑州450008(黄艳红)
【关键词】：助学贷款;教育投资;信贷理念
【分类号】：F832.4
【DOI】：cnki:ISSN:1006-1096.0.2001-03-018
【正文快照】：
随着个人消费信贷市场的逐步成熟 ,教育支出已逐步成为近两年消费市场的热点之一 ,各家商业银行看准了这一具有巨大潜力的市场 ,纷纷推出了教育助学贷款。但从目前来看 ,助学贷款业务的开展效果却不尽人意。无论从需求方———高校在校生 ,还是从供应方———商业银行经办行来 | | |  推荐 CAJ下载  PDF下载 | | | CAJViewer7.0阅读器支持所有CNKI文件格式，AdobeReader仅支持PDF格式 | | | | A New Recognition of the Education Assistantship Loan | | | YANG Hua 1;HUANG Yan-hong 2 (1 Department of Finance;Henan Institute of Finance and Economics;Zhengzhou 450002;China 2 Zhengzhou Branch;Bank of Communucations;Zhengzhou 450008;China) | | | Education assistantship loan is not only an extension of financial service, but also a symbol of alteration in education system from planned economy to socialist market economy. Banks, students and their parents have different understanding on investment features of the education loan, which stands in the way of the supply and the demand and stops them from joining hands. Therefore, the establishment of a modern mentality in investment, consumption and loan is necessary for the borrowers and lenders to attain a unanimous understanding under the principles of market economy. Only by doing this can a virtuous circle be achieved and a gain in both social and economic aspects be earned.
【Keyword】：education assistantship loan;education investment;mentality of credit |
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