政府财政助学贷款发放主体的成本收益研究

发布时间：2018-10-13 17:29

【摘要】：在我国农民人口占到了53.4%,城市中也存在大量的低保人口,他们的子女能否有平等的接受高等教育的机会,越来越受到学者和政府的关注。为了增加低收入群体子女的入学机会,我国自1999年实施助学贷款制度,成功地帮助了许多低收入群体子女顺利的完成了高等教育,但也暴露出了许多问题。因此研究助学贷款发放主体的成本收益,对完善我国的助学贷款制度,促进助学贷款应贷尽贷目标的实现具有非常大的现实意义。本文运用成本收益的分析方法,以四川省某部属高校的助学贷款数据为依据,研究了助学贷款发放主体的成本收益。试图通过定量的分析政府、高校和银行的成本比例,全面地分析各主体在助学贷款中的获益,发现制度存在效率损失的原因,找出各方成本分担的不合理,指出现在制度存在的主要问题,为助学贷款的改革发展提供借鉴。并且我国的助学贷款制度在实施中没有经验可以照搬,本文在在各主体成本分担的基础上,通过借鉴相关国家的经验教训,得到相关的启示并对他们进行成本收益比较,从而提出助学贷款进步发展的建议,对助学贷款的发展和完善具有积极意义。本文的最终研究目的是理顺助学贷款发放三方主体的成本收益关系,提出促进助学贷款发放增加的建议。为此,本文指出了现行制度中不利于助学贷款发展的成本分担设计和贷款制度设计方面的问题,并且尝试为这些问题提出相关的政策建议,以求为能助学贷款的科学发展提供合理的参考。
[Abstract]:In our country, the peasant population accounts for 53.4%, and there is also a large number of minimum subsistence population in the city. Whether their children have equal access to higher education has been paid more and more attention by scholars and the government. In order to increase the access of children from low-income groups, China has implemented the student loan system since 1999, which has successfully helped many low-income children to successfully complete higher education, but has also exposed a lot of problems. Therefore, it is of great practical significance to study the cost and income of the main body of student loan, to perfect the system of student loan in our country and to promote the realization of the goal of student loan. Based on the data of student loan of a subordinate university in Sichuan province, this paper studies the cost and income of student loan issuing subject by using the method of cost-benefit analysis. Through the quantitative analysis of the cost ratio of government, university and bank, this paper comprehensively analyzes the benefit of the main body in the student loan, finds out the reason of the efficiency loss in the system, and finds out the unreasonable cost sharing among the parties. It points out the main problems existing in the present system and provides reference for the reform and development of student loan. Moreover, there is no experience in the implementation of the system of student loan in China. This paper, on the basis of the cost sharing of the main body, obtains the relevant enlightenment and compares the cost and benefit of the relevant countries by learning from the experience and lessons of the relevant countries. Therefore, it is of positive significance for the development and perfection of student loans to put forward suggestions for the progressive development of student loans. The ultimate purpose of this paper is to straighten out the cost-benefit relationship among the three parties of student loan issuance, and put forward some suggestions to promote the increase of student loan issuance. Therefore, this paper points out the problems in the cost sharing design and loan system design of the current system which is not conducive to the development of student loans, and tries to put forward relevant policy recommendations for these problems. In order to provide a reasonable reference for the scientific development of student loan.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：G647.5;F812.2

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