The Research Of The Returns Questions About Government-Subsidized University Student's Loan

With education in the reform and development of higher education, fee system was increasingly recognized. To enable every one student would not be affected education, the state has vigorously promote the development of student loans. However, up to 28.4% of student loan default, the students'credit is up to a severe test.Based on our student loan system outlined that the current financial situation of lending institutions and college student loan repayment status and situation, the credit system not perfect, the loan system imperfect, the loan student funds pressure stresses and the funds system unreasonable are the main reasons.Through the analysis of the status of student loans, commercial banks raised student loan repayment effective control of four methods: i) to establish a perfect personal credit system. ii) the formulation of reasonable loan management system. To Establish for commercial bank management model with Grameen model. iii) Work-Study Program provides jobs. Specific activities of the Work-Study Program and the Work-Study Program posts set up the content of the work. iv) status of the loans, student tracking. The students in the school situation right track and graduate students have been the work of tracking, and loans of students keep in touch at any time. These four steps and fusion is an effective way to reduce violations for Chinese commercial banks.To better for student loans, the establishment of school education bank and the establishment of the insurance system is an effective supplementary means banks. A school insurance system, student loan risk-sharing is the new method. The establishment of the education policy of the banks and not to profit for the main purpose of the long-term outstanding student loans and preferential interest rates, weakening the constraints is to solve the bad debts of commercial banks student loan risks in new ways.