以色列教育收益率及其国家助学贷款还款负担研究

发布时间：2018-04-13 03:41

本文选题：高等教育收益率 + 国家助学贷款　；参考：《教育与经济》2013年04期

【摘要】：以色列高等教育具有较高的私人收益率和收入预期,但不同群体差异显著。研究表明,犹太人和男性大学毕业生在以色列劳动力市场具有明显的比较优势,女性和阿拉伯人大学毕业生高等教育私人收益率较高,但在劳动力市场处于相对劣势。随着高等教育规模扩大和成本分担理论的影响,以色列政府制定了新的大学生资助计划,相继出台"夏切特委员会"和"自由学习"学生贷款方案。市场经济的竞争性、选择性和差异性导致两种方案并存,但总体研究表明:前者还款负担比较重,拖欠率相对较高;后者还款时间较长,还款相对轻松,贷款回收率较高。以色列政府多样化的贷款方案旨在解决高等教育贷款市场失灵,促进高等教育公平与效率,其经验值得我们反思与借鉴。
[Abstract]:The higher education has a higher private rate of return and expected income, but a significant difference between different groups. The study shows that the Jews and male college graduates has obvious comparative advantage in the Israeli labor market, higher education of female college graduates and Arab private profit rate is higher, but in the labor market at a relative disadvantage. With the expansion of higher education and the cost sharing theory, the Israeli government formulated the new student aid plan, have introduced the "Charchet committee" and "free learning" student loan scheme. The competition of market economy, selectivity and lead to differences in the coexistence of the two schemes, but the overall results show that: the former repayment burden is relatively heavy, the delinquency rate is relatively high; the latter the repayment time, repayment of loans is relatively easy, high recovery rate. The loan scheme aimed at resolving the Israeli government diversification The failure of the higher education loan market promotes the fairness and efficiency of higher education, and its experience deserves our reflection and reference.

【作者单位】：中山大学教育学院教育研究所;
【基金】：以色列巴伊兰大学经济系博士后研究项目“高等教育财政金融支持国际比较研究”
【分类号】：G649.382

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