农村贫困大学生助学贷款需求与贷款行为实证研究——基于江苏省8所高校的调查

发布时间：2018-03-05 18:00

本文选题：农村贫困大学生　切入点：国家助学贷款　出处：《农村经济》2017年10期 　论文类型：期刊论文

【摘要】：农村贫困大学生对国家助学贷款的需求与实际发生申请助学贷款行为深受家庭经济情况影响。实证研究表明:农村贫困大学生家庭中,家长的文化水平、人均收入水平、家庭接受非义务教育的人数对贫困大学生的国家助学贷款需求和实际发生申请助学贷款行为均有显著的正向影响,家庭拥有的固定资产价值对贫困大学生的国家助学贷款需求和实际发生申请助学贷款行为均有显著的负向影响,劳动力数量和医疗支出只对贫困大学生实际发生申请助学贷款行为有显著的正向影响,家庭的人口数量只对贫困大学生实际发生申请助学贷款行为有显著的负向影响。
[Abstract]:The demand for the national student loan and the actual behavior of applying for the student loan are deeply influenced by the economic situation of the family. The empirical study shows that the parents' education level and the per capita income level of the parents in the poor rural college students' families are greatly influenced by the economic situation of the family. The number of families receiving non-compulsory education has a significant positive impact on the demand for national student loan and the actual behavior of applying for student loan. The value of fixed assets owned by families has a significant negative impact on the demand for national student loans and the actual behavior of applying for student loans. The number of labor force and medical expenditure only had a significant positive impact on the actual occurrence of student loan for poor college students, and the number of families only had a significant negative impact on the actual occurrence of poor college students' application for student loans.
【作者单位】：中国矿业大学;
【基金】：江苏省普通高校研究生科研创新计划资助项目“基于学生行为视角的国家助学贷款违约风险研究”(编号:CXZZ11-0320) 江苏高校哲学社会科学研究指导项目“国家助学贷款中大学生的诚信教育及其有效性研究”(编号:2015SJD445) 中国矿业大学思政工作专项课题重点项目“‘校园贷’风险防范与教育引导机制研究”(编号:2017ZDXM06)的阶段性研究成果
【分类号】：F832.479;G649.2

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