教育信贷业务的问题探讨——以百度钱包为例摘 要本文首先对教育信贷业务，百度钱包业务模式、百度钱包业务的特点进行了论述。之后，分析了教育行业信贷业务发展现状，百度钱包信贷业务发展现状以及运行模式。并重点分析了百度钱包教育信贷业务存在的问题：百度钱包信贷还款存在风险；百度钱包与借款机构信息不对称；百度钱包专项信贷项目数量不足。最后，提出了百度钱包教育信贷业务问题的解决对策：加强信用体系建设；完善个人征信系统网络；语言教育信贷多元化。关键词：信贷业务；语言教育；问题；百度钱包 AbstractFirstly, this paper discusses the educational credit business, Baidu WALLET business model and the characteristics of Baidu wallet business. After that, it analyses the development status of credit business in education industry, Baidu Wallet Credit Business Development Status and operation mode. And it focuses on the analysis of Baidu wallet education credit business problems: Baidu Wallet Credit repayment risks; Baidu wallet and borrowing institutions information asymmetry; Baidu wallet special credit projects insufficient. Finally, the paper puts forward the countermeasures to solve the problems of Baidu wallet education credit business: strengthening the construction of credit system; improving the network of personal credit information system; diversification of language education credit.Key words: credit business, language education, problems, Baidu Wallet 目 录摘 要................................................VAbstract.............................................VI一、相关理论概述......................................1（一）教育信贷业务....................................1（二）百度钱包业务....................................2二、教育行业信贷业务发展现状..........................3（一）教育信贷业务发展现状分析........................3（二）百度钱包信贷业务发展现状分析....................4三、百度钱包教育信贷业务存在的问题....................5（一）信息不对称贷前...
