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zu ai kai zhan sheng yuan di zhu xue dai kuan de yin su
Author(s): 
Pages: 75
Year: Issue:  5
Journal: Gansu Finance

Abstract:  一是贷款对象的局限性和还款来源的不确定性,使助学贷款形成了潜在的风险.从贷款需求者看,凡是申请贷款的,大都属困难和非常困难类,其家庭收入一般都处在平均收入的底层,一般没有筹资能力,普遍缺乏有效的抵(质)押和贷款保证能力,难以达到贷款对象必须具备的条件.加之近几年大学生毕业就业率呈下降趋势,收入来源难以确定,助学贷款从发放之日起就有潜在成为不良贷款的可能.因此,各基层金融机构对办理助学贷款积极性普...
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