我国国家助学贷款政策的利益分析

发布时间：2019-03-11 15:16

【摘要】：助学贷款既是现代社会民主、公平、成本分担以及人力资本等现代思想和实践相结合的产物,也是当今国际高等教育发展中出现的重要想象。我国国家助学贷款政策是在社会主义市场经济条件下,国家利用金融手段完善高校资助政策体系,加大对普通高校家庭经济困难学生资助力度采取的重大举措。它在确保受教育者个体平等享有教育权利的同时,也积极推进了我国高等教育公平和社会主义和谐社会的建设。运用文献资料法、文本分析法和比较法等教育科学研究方法,首先对助学贷款、国家助学贷款政策和利益分析等选题基本概念予以界定,阐述了选题研究的理论基础——利益相关者理论,梳理了我国国家助学贷款政策的历史演变并将其概括为准备阶段、试点阶段和完善阶段,在此基础上划定出对我国国家助学贷款政策展开利益分析的范围(主要是第二章内容)；然后,从政府、高校、经办银行和贷款学生四个相关利益主体视角,对国家助学贷款政策准备阶段、试点阶段和完善阶段的利益状况进行了较为详细的审视；同时,揭示出国家助学贷款政策准备阶段、试点阶段和完善阶段政府、高校、经办银行和贷款学生的利益一致性、利益差异性及其利益特点,并从政府财政能力、高等教育体制改革和政策相关机制完善等方面对其进行了归因分析；最后,将国家助学贷款政策终极目标确定为以平等教育权分享为内容的公共利益,尝试性提出确保国家助学贷款政策公共利益实现的尊重利益诉求原则和明确权责关系原则,从激励约束机制、利益补偿机制、信息沟通机制和政策检测机制等四方面指出了国家助学贷款政策公共利益目标得以实现的具体路径。
[Abstract]:Student loan is a product of the combination of modern thought and practice of modern social democracy, equity, cost sharing and human capital. It is also an important imagination in the development of international higher education. In that condition of the socialist market economy, the state-student loan policy of our country is to perfect the system of university-funded policy in the state by means of financial means, and to increase the major measure taken to support the financial difficulties of the students in general colleges and universities. It also actively promotes the construction of the equity of higher education and the construction of the socialist harmonious society, while ensuring the equal right of the educated individual to the right to education. By using the methods of literature, text analysis and comparative law, this paper defines the basic concepts of such topics as the student loan, the national student loan policy and the interest analysis, and expounds the theoretical foundation _ stakeholder theory of the research on the topic. This paper reviews the historical evolution of the national student loan policy in our country and generalizes it as the preparation stage, the pilot phase and the perfect stage, on the basis of which, the scope of the interest analysis of the national student loan policy is drawn up (mainly in the second chapter), and then, from the government and the university, in that view of the four relevant stakeholders of the bank and the loan student, the state of interest of the national student loan policy preparation stage, the pilot stage and the improvement stage is examined in detail; meanwhile, the preparation stage, the pilot phase and the perfect phase government of the national student loan policy are disclosed, The interests of the university, the handling bank and the loan student are consistent, the interest difference and the benefit characteristic are analyzed, and the attribution analysis is made from the aspects such as the government's financial ability, the reform of the higher education system and the improvement of the policy-related mechanism; and finally, The ultimate goal of the national student loan policy is determined to share the public interest of the content with the equal right to education. The four aspects of the information communication mechanism and the policy detection mechanism point out the specific path to the realization of the public interest target of the national student loan policy.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：G649.2

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