Risk and prevention mechanism of university student loans from the public administration perspective

Abstract

As an important component of social order, the students' credit has become an important issue. The credit of college students is one of the most important credits, also, an important part of social trust. For the risk of loans for students, the paper proposed a novel loan risk prevention mechanism named "Six Components into One", which not only needs the public administrators to standardize funding legislation, establish and improve the personal credit system, but more importantly, to strengthen the moral education such that it improves students credit level. © 2011 Springer-Verlag Berlin Heidelberg.