内蒙古生源地助学贷款问题研究

发布时间：2018-04-24 00:04

本文选题：内蒙古 + 生源地助学贷款　；参考：《内蒙古农业大学》2012年硕士论文

【摘要】：随着社会经济的发展和高等教育规模的不断扩大,高校的学费也在逐年增加。为了使家庭贫困大学生不因经济困难而影响学业,国家不断加强大学生资助工作,积极推进助学贷款政策的改革和发展。在2007年成功试点的基础上,生源地助学贷款从2008年开始在全国范围陆续开展起来。作为国家助学贷款体系的重要贷款类型,生源地助学贷款政策的实施,为很多贫苦大学生解决了上学难的问题,在一定程度上保证了教育公平。随着这项业务的深入开展,贷款制度缺陷和运行当中存在的问题也显现出来,有待论证和解决。本文主要针对内蒙古生源地助学贷款实施的现状进行实证研究。通过实证调研,揭示了贷款供给不足,办理程序繁琐,还款方式单一；高校及县级资助中心管理工作不到位；借款学生及整个社会信用意识不强；贷款存在潜在的信用风险等缺陷和问题。产生这些问题的原因从各参与主体的角度分析可以总结为以下四点：第一,信用体系不完善；第二,银行积极性不高且对贷款制度的设计有缺陷；第三,高校及县级资助中心管理意识及管理能力不强；第四,贷款学生还款压力大。在对问题和产生问题的原因进行剖析后,本文在借鉴国外先进经验的基础上提出了完善内蒙古生源地助学贷款制度的几点建议。首先从政府角度讲要制定生源地助学贷款的相关法律法规；其次从银行角度讲要优化现行生源地助学贷款制度；第三从高校和县级资助管理中心角度讲要健全机构,提高风险防范能力和管理水平；最后从学生角度讲要提高诚信意识和还贷能力。希望通过本研究,为内蒙古生源地助学贷款管理工作的改革和发展提供一定的研究成果和参考意见。
[Abstract]:With the development of social economy and the expansion of the scale of higher education, the tuition fees of colleges and universities are increasing year by year. In order to ensure that poor family college students do not affect their studies because of economic difficulties, the state has constantly strengthened the work of university student aid and actively promoted the reform and development of student loan policy. On the basis of successful pilot in 2007, student loan has been developed nationwide since 2008. As an important loan type of the national student loan system, the implementation of student loan policy has solved the problem of difficult schooling for many poor college students, and to a certain extent has ensured the education fair. With the further development of this business, the defects of loan system and the problems in operation also appear, which need to be proved and solved. This paper mainly focuses on the current situation of the implementation of student loan in Inner Mongolia. Through empirical investigation, it is revealed that the loan supply is insufficient, the processing procedure is cumbersome, the repayment method is single, the management of university and county-level support center is not in place, the loan students and the whole social credit consciousness are not strong; The loan has the potential credit risk and so on the flaw and the question. The reasons for these problems can be summarized as follows: first, the credit system is not perfect; second, the bank is not enthusiastic and has defects in the design of the loan system; third, The management consciousness and ability of universities and county-level aid centers are not strong; fourth, loan students are under great pressure of repayment. Based on the analysis of the problems and the causes of the problems, this paper puts forward some suggestions on how to perfect the loan system of students' land in Inner Mongolia on the basis of drawing on the advanced experience of foreign countries. First of all, from the perspective of the government, it is necessary to formulate relevant laws and regulations on student loans; secondly, from the perspective of banks, we should optimize the current system of student loans; and third, from the perspective of universities and county-level financial aid management centers, we should improve institutions. To improve the ability of risk prevention and management, and finally from the point of view of students to improve the integrity of the awareness and ability to repay loans. It is hoped that this study will provide some research results and suggestions for the reform and development of student loan management in Inner Mongolia.
【学位授予单位】：内蒙古农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：G647

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