我国国家助学贷款信用问题研究

发布时间：2018-03-10 17:17

本文选题：国家助学贷款　切入点：信用问题　出处：《广西师范学院》2015年硕士论文　论文类型：学位论文

【摘要】：国家助学贷款是一种高等教育个人融资手段,目前在世界各国都普遍推行。在我国高等教育大众化和高校收费改革的背景下,助学贷款政策的实施,有利地支持和促进了高等教育的进一步发展,受到广大学生和家长的欢迎。但是在实际过程中,信用问题影响着助学贷款的可持续发展。国家助学贷款是一种政策性贷款,属于信用贷款范畴。本研究从交易成本理论开始,分析在现行国家助学贷款制度下各主体的交易成本。本文主要采用文献研究法和分析研究法,通过研究国内外的相关文献,描述在国家助学贷款政策演化过程中信用的地位,并总结出信用问题在国家助学贷款实物操作阶段的主要表现,同时对各阶段各交易主体的交易成本进行分析。造成国家助学贷款信用问题的主要原因是国家助学贷款个人信用制度不健全、国家助学贷款主体信用行为的因素以及外部环境的影响。本文利用博弈理论,建构了银行—政府、银行—高校、银行—学生三组博弈模型,分析出国家助学贷款信用问题的根源是信息不对称。结合我国国家助学贷款的实际情况和国外助学贷款管理的经验,设想出两种我国国家助学贷款信用机制,政府主导模式和市场经济运行模式。这两种分别提出政府、银行、高校和学生的责任,并提出相应的国家助学贷款信用机制,降低各主体的交易成本。
[Abstract]:National student loan is a kind of individual financing means of higher education, which is widely carried out all over the world at present. Under the background of the popularization of higher education and the reform of college fees in our country, the policy of student loan is implemented. It has supported and promoted the further development of higher education and has been welcomed by students and parents. However, in the process of practice, credit problems affect the sustainable development of student loans. This research begins with the transaction cost theory, analyzes the transaction cost of each subject under the current national student loan system. This paper mainly adopts the literature research method and the analysis research method, through the research related literature at home and abroad, This paper describes the status of credit in the evolution of the national student loan policy, and summarizes the main performance of the credit problem in the physical operation stage of the state student loan. At the same time, it analyzes the transaction cost of each transaction subject in each stage. The main reason for the credit problem of the national student loan is that the individual credit system of the national student loan is not perfect. Based on the game theory, this paper constructs a game model of bank-government, bank-university and bank-student. This paper analyzes that the source of the credit problem of the national student loan is information asymmetry. Combining the actual situation of the national student loan in our country and the experience of the foreign student loan management, two kinds of credit mechanism of the national student loan in our country are envisaged. The government leading mode and the market economy operating mode, which put forward the responsibility of the government, the bank, the university and the students respectively, and put forward the corresponding credit mechanism of the state student loan to reduce the transaction cost of each subject.
【学位授予单位】：广西师范学院
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：G649.2

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