摘要
国家助学贷款实施以来,其法律渊源一直属于部门规章。法律渊源对高校的法律关系和责任可归纳总结为强制性规定和任意性规定,在此基础上形成了高校与国家助学贷款各方间的民事法律关系:高校和借款学生间形成民事代理法律关系,高校作为贷款申请代理人,借款学生作为被代理人;高校与商业银行间建立的是民事委托关系,高校为被委托人,商业银行为委托人。高校作为利益相关方进行了借贷双方之间的代理和委托关系,显示了国家助学贷款制度的设计缺陷。
Since from the performance of the state assistant student loan（SSSL）,the source of law belongs to the departmental rules.All these source of law makes colleges and universities take the responsibilities on facultative and mandatory rules.Based on these rules,colleges and universities establish civil legal relationship with commercial banks and students on loan.The civil legal relationship with commercial banks can be divided into clientage：commercial banks as the client and colleges and universities as the clientage.The civil legal relationship with students on loan can be classified into agency relation： students of loan as principal and colleges and universities as agent.As interested party,colleges and universities play two parts of clientage and agent between both parties,which illustrates the defects of the SSSL system design.
出处
《河南师范大学学报（哲学社会科学版）》
CSSCI
北大核心
2012年第6期220-223,共4页
Journal of Henan Normal University(Philosophy and Social Sciences)
基金
湖北省教育厅人文社科项目(2009b055)
关键词
国家助学贷款
民事法律关系
高校
state assistant student loan（SSSL）
civil legal relationship
colleges and universities
