国家助学贷款资产证券化模式研究摘要：国家助学贷款证券化是将助学贷款债权销售给私有资本持有者，使它们成为能在私有资本市场上具有投资价值的资产。这为助学贷款体系提供了更多的资金，并使之具有流动性，分散了违约风险。从 2004 年国家开发银行介入助学贷款业务,推进了助学贷款工作的落实开始，2005 年我国就将资产证券化应用在了多种领域，2007 年,我国又推出了生源地信用助学贷款，2012 年我国资产证券化重启后，更是以加倍的速度向前发展。本文最终的目的是通过对我国助学贷款证券化的研究,找到一条新的有效途径发展助学贷款证券化,促进我国高等教育的持续健康发展。关键词：国家助学贷款，证券化，可行性，必要性，风险Research on asset securitization model of national student loanSummary: Securitization of national student loans is to sell student loans to private capital holders, making them assets that can be invested in private capital market. This provides more funds for the student loan system, and makes it fluidity and disperses the risk of breach of contract. In the student loan business from 2004, the National Development Bank, began to promote the implementation of the work of student loans, 2005 China asset securitization will be used in a variety of areas, in 2007, China launched the students credit student loans, asset securitization in China in 2012 after the restart, is developed with double speed. The purpose of this paper is to find a new effective way to develop student loan securitization and promote the sustainable and healthy development of our higher education through the study of securitization of student loans in China.Key Words: National student loan Securitization Feasibility Necessity Risk目录绪论..................................................................................................................................................1一、助学贷款证券化的可行性 ........................................................
