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商业性助学贷款对于补充政策性助学贷款、完善助学贷款制度具有重要的作用。研究生自费政策的颁布会加重研究生的经济负担,除了借助于国家政策性助学贷款,还可以考虑商业性助学贷款。与政策性助学贷款的发放对象有限和供给不足相比,商业性助学贷款凭借其灵活和发展潜力大的特点。由于商业性银行具有稳健运营的控制要求,而目前大学生、研究生有一定的诚信缺失,加之政策、利率等宏观条件的作用,在商业性助学贷款和研究生自费对接的过程中会出现风险,影响商业银行该业务的正常开展,进而影响资金融通的速度和效率。
Commercial student loans to supplement policy-based student loans, improve student loan system has an important role. The promulgation of the graduate student’s own expenses policy will aggravate the financial burden on the graduate students. Besides borrowing from the state policy-based student loans, commercial student loans may also be considered. Compared with the limited and insufficient supply of policy-based student loans, commercial student loans are characterized by their flexibility and great potential for development. Because commercial banks have the control requirements of steady operation, there is a certain lack of honesty and credit for undergraduates and graduate students. Coupled with the macroscopic conditions such as policies and interest rates, there will be risks and influences in the process of commercial student loans and graduates docking at their own expenses The normal operation of the business of commercial banks, thereby affecting the speed and efficiency of financial intermediation.