日本央行加息后学生贷款利率上升

July 12, 2026

由 AI 报道

随着日本央行上调政策利率，日本学生支援机构（JASSO）的贷款利率大幅上涨。一些应届毕业生现在面临的利率比他们入学前高出六倍多。

今年3月毕业生的贷款利率为2.423%，高于2022年3月的0.369%。6月份该利率进一步升至2.922%，逼近该项目3%的上限。

日本央行在6月中旬的会议上将政策利率上调至1.00%，创下31年来的新高。此举是为了应对通胀压力、能源成本上升以及日元疲软等问题。

如果借款人每月贷款10万日元，为期四年，在20年的还款期内，其总还款额将增加约100万日元。2024财年，该项目共发放贷款62.3万笔，总金额达5562亿日元。

为吸引人才，越来越多的日本企业开始主动提出为员工偿还助学贷款。截至3月底，已有4852家公司采用了该计划，而四年前这一数字仅为320家。

Illustration of Bank of Korea raising interest rates to combat inflation.

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Asia