学生贷款与个人征信体系的互动：国外实践模式及其启示

The Interaction between Students Loan and Individual Credit System: Overseas Practice Mode and Inspiration

在美国、欧洲、日本等发达国家，学生贷款与个人征信体系的良性互动在实践中分别形成特色鲜明的市场化模式、公营模式和会员制模式，基本解决了学生贷款的个人隐私和信用信息共享之间的矛盾，成为这些国家学生贷款成功的关键所在。我国需要借鉴这些实践模式的有益经验，进行相应的政策改进，以便完善学生贷款与个人征信体系的互动机制。

The positive interaction between student loans and personal credit system in the United States, Europe, Japan and other developed countries has formed distinctive characteristics of the marketed-oriented model, the public mode and membership-based model in practice respectively. The contradiction between personal privacy and credit information sharing has been basically solved, and it becomes to be the key to success of student loans in these countries. China needs to draw on the beneficial experiences of these practical models and make corresponding policy improvement in order to improve the interaction mechanism between student loans and personal credit system.