Study on the Mechanism of Preventing Risks from University-Subsidized Loans

Chinese national student loan policy plays an important part in the nation's education policies.It relates to the students who need funds to support their studies,overall situation of education equity and social justice.After ten-year operation and adjustment,the student loan policy still has some obvious defects in the mechanism.It is necessary to establish the risk prevention mechanism for the purpose of achieving sustainable development of student loans policies.Explorations on mechanism of preventing risks are carried out to promote the national student loan policy from the following five aspects: First,build a wide range of subsidized loans system so as to achieve the diversification of funding loans,as well as repayment of diverse ways to make subsidized loans more humanized and scientific.Second is to establish assistance loan risks for early-warning system,and establish dual early-warning systems to strengthen the positive interaction of all participants.Third is to establish policy-funded loan guarantee system in order that the responsibility and risks can be taken on and shared by participants such as banks,guarantee agencies and different levels of governments.Fourth,improve the assistance loan incentive-restraint mechanism,and strengthen the sense of responsibility of risks.Fifth,improve the supporting system of subsidized loans.