摘要
国家助学贷款证券化是将助学贷款债权销售给私有资本持有者,使它们成为能在私有资本市场上具有投资价值的资产。这为助学贷款体系提供了更多的资金,并使之具有流动性,分散了违约风险。我国当前的法律体系中已存在有利于国家助学贷款证券化发展的因素,同时也有一些法律障碍和立法空白。改善法律环境,审慎发展助学贷款证券化“二级市场”,有利于推动银行开展助学贷款业务,增加我国高等教育的非公共基金收入来源,使教育资源短缺的状况得到缓解,从而为公民提供更多的受教育机会。
The asset-securitization of state student-loan is the sale of student-loan creditor rights to private capital holders so as to transform them into assets with investment value in the private capital market, which supplies student-loan system with more funds, liquidity and dispersal of contract-breach risks. In China＇ s current legal system, there exist factors beneficial to the asset-securitization development, but at the same time exist some legal obstacles and legislative blanks. Improvement of legal context and prudent development of secondary market for the asset-securitization conduce to the promotion of banks asset- securitization business, increase in non-public funds sources for China＇ s higher education, and laxity of education funds shortage, so as to provide the citizens with more higher learning opportunities.
出处
《四川师范大学学报（社会科学版）》
CSSCI
北大核心
2007年第1期40-45,共6页
Journal of Sichuan Normal University(Social Sciences Edition)
关键词
国家助学贷款
证券化
法律分析
state student-loan
securitization
legal analysis
