国家助学贷款资产证券化制度设计研究

在2004年的国家助学贷款新政策背景下,尽管出现了许多利好方面,仍存在一些尚未解决的问题。而完整的国家助学贷款市场应当是由一级市场和二级市场组成的一个有序开放式的市场体系：一级市场是创造国家助学贷款形成借贷关系的市场,二级市场是创造国家助学贷款债权转让的市场。资产证券化是我国目前解决问题、完善市场、金融创新的重要选择,这项选择不仅很有必要,且基本具备了可行条件。当然,我国如果进行国家助学贷款资产证券化,还需要建立良好的征信制度和其它保障制度。

Research on Institution Construction of Assets Securitization of State Grant-aided Loan

There are both advantages and disadvantages in the new policy of state grant-aided loan to students. The complete credit market should be an opening market system composed of the first and second class markets. The first class market is the one that establishes the relationship between the debit and credit, while the second market is the one that produce the creditor＇s fight transferring. Securitization is a kind of important method to resolve the problem, perfect the market and money innovation, which is necessary and feasible. The trustworthiness institutions and other guarantee institution are the foundation of securitization.