七月是充满希望的,一份向往已久的大学录取通知书成就了多少学子的梦;七月也是焦躁的,梦想的成本开始让少年人变得现实和有责任感。也许针对莘莘学子的助学贷款是所有商业金融产品中最浪漫、最艺术的一个,因为它要求金融机构以高超的工艺水准、有使命感的挣钱。贷款类的金融产品无非是由规模、期限、价格(利率及相关费用)、偿付方式、担保形式和事后控制几方面构架而成,而助学贷款的每一个框架要素都还有很大的想象空间。 July is full of hope. A long-awaited university acceptance letter has made many students’ dreams. July is also an anxious one. The cost of dreams has begun to make young people practical and accountable. Perhaps student loans for students are the most romantic and artistic of all commercial financial products because they require financial institutions to make money with a sense of mission and skill. Financial products in the loan category are nothing more than the framework of the scale, duration, price (interest rates and related costs), reimbursement, forms of security and ex post control, and each framework element of student loans still have a great imagination space.