国家助学贷款中政府调控权的合法行使
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引用本文:郭景见.国家助学贷款中政府调控权的合法行使[J].湖南大学学报社会科学版,2010,(3):148-152
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郭景见 香港中文大学 法学院香港) 
中文摘要:为了实现制度目标,保障社会公平和社会根本利益,化解国家助学贷款与商业银行经营目标的冲突,构建国家助学贷款内生发展机制,政府必须在国家助学贷款中充分行使调控权。为了保证政府调控权的合法行使,必须建立和完善相应的法规体系,根据国情确立集中决策与分权执行的机制。应采取建立政府担保机制并适时调控担保比例,实现市场化交易和调控利率与还款期限,健全个人信用制度保障,以及依法建立健全监督机制等举措实现政府调控目标,促进国家助学贷款持续健康发展。
中文关键词:国家助学贷款  政府调控权  集中决策与分权执行  内生发展机制;市场化交易
 
The Legitimate Exercise of the Governmental Regulatory Authority of State Loans for Students
Abstract:In order to realize the aim of the system, to guarantee fairness and basic interests in society, to resolve it in conflict with the management objectives of business banks, to establish the internal developing mechanism of state loans for students, the government has to fully exercise regulatory authority. To ensure the legitimate exercise of the governmental regulatory authority, an appropriate legal system should be established and perfected, which establishes a centralized decision-making and decentralized executing mechanism according to the national conditions. Measures including a timely construction of a governmental guarantee mechanism, and regulating investment for the system, implementing market transaction alongside regulating interest rates and repay credit expired date, improving personal credit systems, establishing and perfecting supervision mechanisms in accordance with the law, ought to be adopted to accomplish governmental regulatory goals and to promote the sustainable and healthy development of state loans for students.
keywords:state loans for students  governmental regulatory authority  centralized decision-making and decentralized executing  internal developing mechanism  market transaction
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