内蒙古地区生源地信用助学贷款存在的问题及其改进的研究

发布时间：2018-02-17 01:58

本文关键词： 生源地信用助学贷款诚信教育　出处：《内蒙古师范大学》2013年硕士论文　论文类型：学位论文

【摘要】：上世纪80年代末期高等教育体制改革的深化，使得我国高等教育实现了从精英教育向大众化教育的历史性转变，这一转变从根本上解决了我国高等教育招生规模不足与越来越多的人追求高水平教育的矛盾。然而1997我国高等教育全面收费制度的实行又使得高额的接受高等教育的费用与接受高等教育学生的家庭经济困难的矛盾上升为我国当今高等教育的主要矛盾。“不让一名贫困生失学”、“确保每一个大学生都能顺利完成学业”等口号体现了党和国家高度重视高等教育的发展，把家庭经济困难学生的资助工作当作一项民生工程加以高度重视，为此我国逐步建立起了“奖、助、贷、减、免、绿色通道”为一体的大学生资助体系。在这一资助体系中助学贷款占据着主要地位。内蒙古地区2009年正式在全区范围内推广生源地信用助学贷款，2013年进入贷款本金的偿还阶段。内蒙古地区生源地信用助学贷款的还款情况如何，是否会陷入和校园地国家助学贷款一样的困境呢？生源地信用助学贷款在办理、实施的过程中存在哪些问题，我们应该如何应对？基于此目的，本文通过对贷款学生、旗县学生资助管理中心工作人员、高校学生贷款管理中心老师、国家开发银行内蒙古分行的工作人员的问卷及电话访谈、面对面访谈等方式得出了内蒙古地区生源地信用助学贷款存在的一些问题。学生对贷款基本情况的了解不足，在贷款过程中贷款资格审核简单，开具贫困证明较容易，贷款金额少且所有学生的标准相同，贷款偿还方式单一，，旗县学生资助管理中心软硬件滞后。其中影响学生还款的主要因素是就业难、诚信意识差以及社会信用体系不健全。在此基础上，针对内蒙古地区生源地信用助学贷款存在的问题提出了相应的对策建议。加强对贷款政策的宣传，督促学生了解相关政策，加强对贷款学生的审核力度，制定灵活合理的贷款、还款方案，加强社会信用体系与奖惩体制建设，加大对旗县学生资助管理中心的各项建设。为了避免贷款的违约率，应加强对学生的就业指导，强化对学生的诚信教育。希望通过该研究，为内蒙古地区生源地信用助学贷款提供有价值的研究成果和可行性的参考建议。
[Abstract]:In the end of -20s, with the deepening of the reform of higher education system, China's higher education realized the historic transformation from elite education to popular education. This change has fundamentally solved the contradiction between the shortage of enrollment in higher education and the pursuit of higher education by more and more people. However, the implementation of the overall charge system for higher education in 1997 made the higher education receive higher education at a high level. The contradiction between the cost of education and the family financial difficulties of the students receiving higher education has become the main contradiction in our country's higher education nowadays. The slogan "do not let a poor student out of school", "ensure that every college student can successfully complete his studies" and so on. This shows that the Party and the state attach great importance to the development of higher education, We attach great importance to the work of subsidizing students from economically disadvantaged families as a livelihood project. For this reason, our country has gradually established "awards, assistance, loans, deductions, and exemptions". The green channel is an integral part of the university student financial aid system, in which student loan plays a major role. In 2009, the Inner Mongolia region officially extended the student land credit aid loan in the whole region, and entered the repayment stage of the loan principal in 2013. How about the repayment of the student land credit aid loan in Inner Mongolia? Will it be in the same predicament as the national student loan on campus? What problems do there exist in the process of handling and implementing student credit loans, and how should we deal with them? Based on this purpose, this paper gives a questionnaire and telephone interview to the loan students, the staff of the Qi County Student support Management Center, the teachers of the University Student loan Management Center, and the staff of the Inner Mongolia Branch of the China Development Bank. Through face-to-face interview and other methods, some problems existing in credit aid loans of students in Inner Mongolia are obtained. The students do not know enough about the basic conditions of loans, and in the process of loans, the qualification of loans is simple to examine and verify, and it is easier to issue proof of poverty. The loan amount is small, the standard of all students is the same, the way of loan repayment is single, the software and hardware of student aid management center in Qi county lags behind, and the main factors that affect students' repayment are difficult employment, poor sense of good faith and imperfect social credit system. On this basis, in view of the problems existing in student credit loans in Inner Mongolia, the paper puts forward corresponding countermeasures and suggestions, strengthens the publicity of loan policies, urges students to understand relevant policies, and strengthens the examination and approval of loan students. To make flexible and reasonable loan, repayment scheme, strengthen the construction of social credit system and reward and punishment system, and increase the construction of student aid management center in flag county, in order to avoid the default rate of loan, we should strengthen the guidance for students' employment. It is hoped that this study will provide valuable research results and feasible suggestions for student credit loans in Inner Mongolia.
【学位授予单位】：内蒙古师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：G647.5;F832.4

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