The research of Japanese "educational loan" and "educational endowment insurance" system

我们对商业银行和其他金融机构进行了关于“助学贷款”的问卷调查。研究表明，“助学贷款”仍然是一种持续的社会需求。但2008年修订的《分期付款销售法》于2009年生效，许多银行取消了与大学或其他教育机构合作的教育贷款。但其他银行开展合作助学贷款。不同的银行对法律修改的对应程度也不同，通过对日本学生服务机构（JASSO）的国家助学贷款制度和商业银行的教育贷款制度的比较，发现助学贷款制度具有非常显著的特点。有无意向贷款、长期还款期限、优秀研究生免还款等。这引发了对国家助学贷款制度的重新评价。

We had questionnaire research to commercial banks and other banking establishments about "educational loan". This research shows that "Educational loan" remain constant social needs. But Installment Sales Act revised on 2008 and came into force on 2009, many banks abolished educational loan that cooperates with university or other educational institution. But other banks carry on the cooperated educational loan. Correspondence to law revision is different according to each bank.We compare National scholarship loan system by JASSO(Japan Student Services Organization) with educational loans by commercial banks, scholarship loan system has very significant features. There are intent-free loan, long-term deadline to repayment, and forgiven of repayment for excellent graduate students. This brought a reevaluation of National scholarship loan system.