The discussion on credit stinting in running student loans of our country's commercial banks:taking federal family education loan program of U.S. as a reference
The supply and demand of National Student Loans of China is imbalance,and the phenomenon of credit stinting of the lenders is severe,which lie in the singularity of interest encouragement measures and shortage intension. In order to solve the problem of credit stinting in the loan operation of commercial banks in our country,we should borrow the experience of the American government to build the second class market,etc.we should jump out of the thinking inertia only in the risk to find the countermeasure,and encourage the lenders to lend according to the bank interest combined with guarantee measures.Thereinto,central government should be the main body to encourage the lenders.