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Researchonassetsecuritizationmodelofnationalstudentloan内蒙古大学创业学院本科学年论文Author:jizheTutor:baliSummary:Securitizationofnationalstudentloansistosellstudentloanstoprivatecapitalholders,makingthemassetsthatcanbeinvestedinprivatecapitalmarket.Thisprovidesmorefundsforthestudentloansystem,andmakesitfluidityanddispersestheriskofbreachofcontract.Inthestudentloanbusinessfrom2004,theNationalDevelopmentBank,begantopromotetheimplementationoftheworkofstudentloans,2005Chinaassetsecuritizationwillbeusedinavarietyofareas,in2007,Chinalaunchedthestudentscreditstudentloans,assetsecuritizationinChinain2012aftertherestart,isdevelopedwithdoublespeed.ThepurposeofthispaperistofindaneweffectivewaytodevelopstudentloansecuritizationandpromotethesustainableandhealthydevelopmentofourhighereducationthroughthestudyofsecuritizationofstudentloansinChina.KeyWords:NationalstudentloanSecuritizationFeasibilityNecessityRisk目录内蒙古大学创业学院本科学年论文绪论..................................................................................................................................................1一、助学贷款证券化的可行性................................................................................................3（一）助学贷款证券化的条件....................................................................................................3（二）具备可予证券化的目标资产条件...................................................................................3（三）初步具备具有相当的市场条件........................................................................................3（四）基本具备证券化的政策、法律环境...............................................................................4（五）具有国外的成功实践和国内的探索...............................................................................4二、助学贷款证券化的必要性....................................................................................................6（一）国家助学贷款证券化有利于商业银行的市场化改革..................................................5（二）国家助学贷款证券化有利于减轻国家财政和高校的负担..........................................5（三）国家助学贷款证券化有利于优化社会信用环境..........................................................5三、助学贷款证券化存在的风险................................................................................................7（一）交易结构风险.....................................................................................................................7（二）信用风险.............................................................................................................................7（三）利率风险.............................................................................................
