福建省生源地助学贷款逐渐步入还贷高峰,违约贷款的防范势在必行。根据计划行为理论分析,还贷行为和违约行为产生的机理是借款人还贷心理的外显,是还贷心理、环境因素及行为发生发展的控制因素与动作结果构成的还贷行为的选择。从行为发生机制上找到学生违约现象的根源和起因,将有利防范违约风险。 Fujian province student loan gradually into the loan repayment peak, the prevention of default loans is imperative. According to the theoretical analysis of planned behavior, the mechanism of repayment behavior and breach of contract is the explicit appearance of loan repayment psychology, which is the choice of repayment behavior constituted by repayment psychology, environmental factors and behavioral control. It is beneficial to prevent the default risk from finding out the origin and cause of student default from the behavioral mechanism.