Editor's Note: Recently, as the time comes to leave school graduates, some graduates have allocated Lanzhou reported seizure of their school graduation certificate and degree certificate. The school, said he still finished only remaining student loans only after to the school to receive diplomas. This school is legitimate and reasonable? student loans where repayment is difficult crux of the problem? how to solve? this and invited experts of Infonet this topic.
and Information Network: Lanzhou many universities diploma and degree students seized the move permits reasonable?
Guo Tian Yong: This thing is from the school in terms of things there is no way a few years ago, the National Student Loan re a reform is move out bidding system. national student loan if a loss, the state should stick some of the money, colleges and universities have to dig some of the money to the bank meeting, in fact, this one is related with the interests of the university.
and Information Network: In fact, once students After graduation, the school is difficult to control.
Guo Tian Yong: Now a lot of work especially strong liquidity, Pai Qianzheng is written to send to that, and finally go there looking for is not in, and people do not know where the quit. away from school after graduation, he was completely divorced from outside the school, more prone to this problem. school diploma does not give him holding a certification is no way to approach the State Development Bank has also discussed this issue. students to student loans is being pilot approach.
and Information Network: students to model whether credit student loans can solve the current problem?
Guo Tian Yong: It seems not very mature. One is management problems. places on the human relationship certificate issued by the doping of water and so on. Another is cost. such as Beijing University is bidding to the Bank of China. He won the bid after the pattern to follow students to the words, Beijing head office and the family the cost of communication between local agencies, etc. These are all problems.
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student loans and banking services, telecommunications network: the management of banks in the student loans if there are management problems is not in place ? For instance, did not give advance notice of outstanding student loan repayment. graduating students to find out how the repayment of the channel is not smooth, etc..
Tian Guo Yong: Indeed, the bank's services in student loans do not yet perfect, the management did not Fine. This is because student loans are small loans, usually a five or six thousand dollars, look at this and hundreds of thousands of mortgages are not the same, so the terms of the mortgage bank will submit a letter or SMS notifications per month, have a special services student loans do not. It is in this case there will be in college student loans to set up a management center, management center part of the burden of responsibility for coordination. including the Office of loans, the return of loans, many of the relevant information is mainly management center from the school to obtain student loans.
but in the final analysis. the pursuit of profit maximization is the ultimate business goal of commercial banks, determines the student loans under the existing model is difficult to obtain the favor of the banks. student loans as retail banking business, scattered, heavy workload, coupled with the credit risk is also large, have affected the enthusiasm of the bank run.
student loan market to stimulate the enthusiasm of the participants
and information network: whether student loans will be market-oriented direction to enhance the bank's initiative?
Guo Tian Yong: It is now advancing in this direction. In the past two years began, CDB involved in student loans, engaging in the risk of student loans 14% of compensation standard, the provincial finance and loan commitments, respectively, half of colleges and universities. universities to participate fully in national student loan management, help to overcome the management of banks in the follow-up to the serious , effectively prevent and control risks. CDB out of risk compensation as an incentive fund, which can be considered innovative, as long as good school management, student loan default risk compensation is less than 14%, the rest of the risk compensation All awards to colleges and universities; Otherwise, schools risk not only shown with a compensation payment, but also bear part of the 50% higher, so that risk compensation incentive and restraint mechanisms with rich content.
In addition, the university graduate students seized evidence will increase the student job more difficult. While it is understood, but is not very appropriate. I think it can not be made with reference to the practice of mortgage real estate license. now buy a house from the bank loans, loans not repaid to you when the banks real estate license, but this card will be stated above, there is no mortgage to pay off. so hard to get your real estate license to re-mortgage can not be easily sold. after you pay off the loan and then charge the real estate management office solutions, banking give you a proof of that loan was paid off, you take the Real Estate Board, he took you for a real estate license, or sell out again before the additional terms.
the students did not indicate on the graduation certificate pay off the loan, to permit the student to graduate, but retain the right to use the ownership of the card, so he found work, not only prove that education, but restricted him, but also conducive to the supervision of his employer.
coverage of China's personal credit information system and information too narrow
network: if the international student loan market can learn from the successful experience of the operation?
Guo Tian Yong: The United States, whether public universities, colleges and universities or the National private schools, he provides a very large number of scholarships and grants them the high scale, like our Chinese students going overseas to get a full scholarship, that there is no need loans, not only tuition fees enough, even the inside of your living expenses are the .
First of all, is not the same on the entire education system. China is the country for college entrance examination to the Ministry of Education, all can go to college, do not drop out of school because of inability to pay, the issue from a moral level, we not against it. The United States has no college entrance examination system, students would like to Which school, and went to apply, limited number of bursaries each school, and only people who can get particularly good results. If you can not get to face two situations, then, if student achievement can be, or to their own expense, to attend school through work-study, etc.; or can not go to school. It is in accordance with the commercial pattern to make the.
Second, the United States has a relatively complete credit system. His credit system, not only with banks and with the police, schools and other units are networked. I remember a report saying that a Chinese student in the United States once again on the subway to the credit card was not to record brush, and to find When the company saw the work of his credit record has fare evasion case, so that foreign students to elected. U.S. credit record has been covering every aspect of social life, making the whole society for their own personal credit situation as a life. This is not to say Americans to quality, which is forced to. We need a student loan credit system coverage.
outstanding students and schools can not
News Network Disclaimer: student loan system, Should universities jointly and severally liable?
Guo Tian Yong: It is now the practice of banks because the students 欠贷 and losses, financial and loan college each share half of the responsibility. Some scholars say that the responsibility should be exempted from school, or college or a deepening financial crisis . I think it is not entirely free from the responsibility of the school.
student loan is essentially a matter for schools to create benefits. It is because of student loans, can be collected on the school tuition fees to students. If the school is not responsible for the words That would be light to encourage students to apply for loans, because the schools concerned, as long as you credit the money from the bank, I will be able to receive school fees, which is a reason to sell a house with the developer, the developer that he sell the house, he To make your purchase from banks who borrow, he can help you create points off, because you are lending me the money back to developers. Of course, no personal loans rate home loans is relatively high quality, defect rate is probably not to 1%, there is no time to turn to the developer bundle. But the situation is different college student loans, he negative rate is relatively high, so must the school tie as a stakeholder in it.
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