国家助学贷款资产证券化模式研究摘要：在2004年国家助学贷款新政策的影响下,虽然有许多有利的方面,但仍然存在着一些问题.要知道一个完整的国家助学贷款市场应该是由一级市场和二级市场共同组成的一个有序的开放式的市场体系:一级市场是指形成国家助学贷款借贷关系的市场,而二级市场是指国家助学贷款债权转让的市场.目前，对我国来说资产证券化是解决问题、完善市场、金融创新的重要选择,它具备了最基本的可行条件.当然,我国要想更好的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以及其它有利的保障制度。关键词：国家助学贷款；证券化；可行性；必要性；风险；意义ResearchonassetsecuritizationmodelofnationalstudentloanAbstract:Undertheinfluenceofthenewnationalstudentloanpolicyin2004,althoughtherearemanyfavorableaspects,therearestillsomeproblems.Wanttoknowacompletenationalstudentloanmarketshouldbecomposedofafirst-levelmarketandasecond-levelmarkettogetheranorderlyopenmarketsystem:Theprimarymarketreferstothemarketthatformstheloan-loanrelationshipofthestatestudentloan,whilethesecondarymarketreferstothemarketthattransfersthecreditor'srightsofthestatestudentloan.Atpresent,forourcountry,assetsecuritizationisanimportantchoicetosolveproblems,perfectthemarketandfinancialinnovation,andithasthemostbasicfeasibleconditions.Ofcourse,ifwewanttocarryouttheassetsecuritizationofnationalstudentloanbetter,wealsoneedtoestablishagoodcreditsystemandotherfavorableguaranteesystem.KeyWords:Nationalstudentloan;Securitization;Feasibility;Necessity;Risk;Significance目录第一章绪论.....................................................................................................................................11.1选题背景及意义..................................................................................................................................11.2研究创新点及难点.............................................................................................................................31.3本文的框架结构..................................................................................................................................3第二章助学贷款证券化的可行性...........................................................................................42助学贷款证券化的条件........................................................................................................................52.1具备可予证券化的目标资产条件..........................................................................................62.2初步具备具有相当的市场条件..............................................................................................62.3基本具备证券化的政策、法律环境.....................................................................................62.4具有国外的成功实践和国内的探索.....................................................................................6第三章助学贷款证券化的必要性................................................................................................63.1国家助学贷款证券化有利于商业银行的市场化改革........................................................63.1.1增强了贷款债权的流动性和安全性..........................................................................63.1.2提高银行资本的充足率和利用率..............................................................................63.1.3优化了银行资本负债结构，降低了利率风险.........................................................63.2国家助学贷款证券...
