The Student Loan in University and the Asset Securitization

摘要

On one hand, the banks dare not to continue to provide student loan. On the other hand, the need of the student loan extends continuously. The substance of the problem is the mobility shortage of the school funds. The best method that resolves this problem is to carry on securities to equity trade, publishing property to support securities. According to the different source of cash flow, there are two kinds of arrangement methods: one is taking school as sponsor, taking future school fees income as property, throwing them in the property pond, then making them securitization; the other is using student's future income as the source of cash flow, making them securitization. We can use student loan to support securities as financial product, designing its long- term or futures contract. This can produce larger positive benefits in every respect.