Socialized Risk-undertaking Mechanism of National Student Loan

The serious problems of national student loan are reflected in the three main aspects: limited credit objects,conspicuous contradiction between supply and demand,great loan risks.It is essential to improve the mechanism of risk prevention and compensation to solve these problems.Venture capital system has provided the mechanism of risk socialization,on one hand it has decreased the degree of risk born by banks,which has raised banks' enthusiasm for providing loans;on the other hand it has effectively prevent the excessive concentration of risks into the country,which has promoted loan motivation of poor college student so as to enhance the robustness of loan system.