Research On The Ethical Issues Of After Loan Management Of China's National Students Loan Institution

Since the formal implementation of the national student loan system in China in 1999,it has undergone several changes,such as the gradual improvement of the system today.The rapid development of the system shows that it has an unparalleled advantage in helping poor students to receive higher education in the form of other forms of support.Since the National Development Bank intervened in a large number of national student loans in 2006,the problem of lending was solved to a large extent.Although the intervention of policy banks has improved the efficiency of issuing the front-end of the loan process,it has been unable to reverse the many prominent aspects of the loan repayment.Especially after the graduation loan,the credit of the national student loan policy is still being tested.The student loan is faced with a serious credit crisis because of the difficulty of recycling.The lack of social credit system and the unclear power and responsibility of the participants in the post loan management make the problem of the national student loan in the post loan management.At present,the construction of the credit system in China is still in its infancy,and the relevant laws and regulations still need to be further improved.National student loan is a kind of government guaranteed credit,students do not need to provide any guarantee,after graduation,scattered throughout the country,will undoubtedly increase the difficulty of the work of post loan management and economic moral risk,it also highlights the importance of ethical management after loan evaluation and risk prevention.As a policy loan,national student loan has its own ethical character.The single"help" character reflects the ethical and moral functions of the system.In view of the existing domestic relevant national student loan credit management theory and practical management problems and deficiencies,starting from the specific perspective of institutional ethics and management ethics,in-depth analysis of management mechanism of credit loan management is not perfect and credit default phenomenon is more serious problems and causes,try from my actual management economic and social development of our country's basic national conditions and national student loan starting,explore effective strategies and methods of management after loan moral risk aversion,realize effective ethical system of management of the loan after strengthening,guarantee reasonable and effective recovery of student loans,the repayment assistance mechanisms can be implemented.From the perspective of institutional ethics and management ethics,effective institutional arrangements for the post loan management of student loans in China are carried out.One is from the perspective of institutional ethics,to further improve the credit management system design,disciplinary three aspects from the form of loans,loan repayment rules and dishonesty;two is from the perspective of management ethics,establish and improve the credit management of the ethical arrangement,establish from the standard loan managers and managers are responsibilities,student credit the file and play the three dimensions in university education function expansion.Under this background,the national student loan repayment assistance mechanism arises at the historic moment,which makes up for the gap between the national student loan system and the loan recovery link mechanism construction.