征信系统下学生贷款可持续性研究

我国学生贷款基本上适应高等教育从精英化向大众化全面转型的要求，成为力度最大、覆盖范围最广的高校学生资助方式。然而，目前学生贷款与征信系统个人信息不对等，致使学生贷款的发展空间严重受阻。我国应在借鉴国外成功经验的基础上，充分发挥政府的主导作用，在社会信用体系的覆盖范围还很有限的情况下，进行有效的模式选择，克服学生贷款与征信系统的信息障碍，约束学生贷款各方的失信行为，从而达到学生贷款的可持续发展。

Research on Student Loan under the Credit System

Student loan meets the requirements of the higher education’s transition from individual to public.It becomes the largest and most extensive coverage of college student financial assistance.However,student loan and the credit system is far form the personal information "seamless",which hinders the development space of student loan.We should learn from successful experience of foreign countries and make the government fully play the leading role.With limit coverage of the social credit system,effective models should be chosen to overcome information barriers of student loan and credit system,to restrain dishonest behavior of student loan,and to achieve the sustainable development of student loan.