国家助学贷款问题的调查研究与政策建议
发布时间：2019-06-06 12:16
【摘要】：随着我国高等教育体制改革的不断深化,高等教育规模不断扩大,呈现出从精英教育向大众化教育过渡的发展趋势。 高校扩招和高等教育收费使得高校贫困生数量急剧增大,为了减轻贫困生的经济压力,实现教育公平,1999年起我国开始实施国家助学贷款政策。 国家助学贷款工作自开展至今,对缓解贫困生经济压力和保持学校教学秩序稳定起到了非常重要的作用,但同时也暴露出很多问题,如实际放贷的比例过低、各地区、各高校间开展不平衡、获贷同学欠还率逐年升高等问题越来越突出。笔者通过对高校助学贷款工作中存在的主要问题及产生原因进行分析,以及助学贷款的国际化比较,提出完善我国助学贷款政策的建议。 论文第一章内容主要阐明了我的写作动机、题目来源背景、研究目标、研究方法以及国家助学贷款政策的发展与调整。 论文第二章内容主要是对四所高校的问卷调研与访谈、调研综述以及对学生、学校、银行、政府四个当事人的利益分析,进而了解和把握国家助学贷款的现状。 笔者在论文第三章中,选取了美国、加拿大、日本、韩国、香港等5个国家和地区比较成功的国家助学贷款模式进行比较研究,从而得出适合我国国情的可借鉴思考。 第四章是论文的核心部分,笔者通过前面的分析提出了国家助学贷款政策应该如何修正,并给出了国家助学贷款政策完善后的理想模式。 在第五章中,笔者对影响国家助学贷款政策完善的现实条件进行了分析。
[Abstract]:With the deepening of the reform of higher education system in our country, the scale of higher education is expanding, showing the development trend of the transition from elite education to popular education. The expansion of enrollment and the charge of higher education make the number of poor students in colleges and universities increase sharply. In order to reduce the economic pressure of poor students and realize educational fairness, China began to implement the national student loan policy since 1999. Since the work of state student loans has been carried out, it has played a very important role in alleviating the economic pressure of poor students and maintaining the stability of school teaching order, but at the same time, it has also exposed many problems, such as the proportion of actual loans is too low, various regions, The imbalance among colleges and universities, the loan student default rate increases year by year and other problems become more and more prominent. Based on the analysis of the main problems and causes in the work of student loan in colleges and universities, as well as the international comparison of student loan, the author puts forward some suggestions for perfecting the policy of student loan in China. The first chapter mainly expounds my writing motivation, the background of the topic source, the research goal, the research method and the development and adjustment of the national student loan policy. The second chapter is mainly a questionnaire survey and interview of four colleges and universities, a summary of the survey and the analysis of the interests of students, schools, banks and governments, so as to understand and grasp the current situation of national student loans. In the third chapter, the author selects five successful national student loan models, such as the United States, Canada, Japan, South Korea and Hong Kong, to make a comparative study, so as to draw lessons from the national conditions of our country. The fourth chapter is the core part of the thesis. Through the previous analysis, the author puts forward how to revise the national student loan policy, and gives the ideal model after the improvement of the national student loan policy. In the fifth chapter, the author analyzes the realistic conditions that affect the perfection of the national student loan policy.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2006
【分类号】：G475
本文编号：2494359
[Abstract]:With the deepening of the reform of higher education system in our country, the scale of higher education is expanding, showing the development trend of the transition from elite education to popular education. The expansion of enrollment and the charge of higher education make the number of poor students in colleges and universities increase sharply. In order to reduce the economic pressure of poor students and realize educational fairness, China began to implement the national student loan policy since 1999. Since the work of state student loans has been carried out, it has played a very important role in alleviating the economic pressure of poor students and maintaining the stability of school teaching order, but at the same time, it has also exposed many problems, such as the proportion of actual loans is too low, various regions, The imbalance among colleges and universities, the loan student default rate increases year by year and other problems become more and more prominent. Based on the analysis of the main problems and causes in the work of student loan in colleges and universities, as well as the international comparison of student loan, the author puts forward some suggestions for perfecting the policy of student loan in China. The first chapter mainly expounds my writing motivation, the background of the topic source, the research goal, the research method and the development and adjustment of the national student loan policy. The second chapter is mainly a questionnaire survey and interview of four colleges and universities, a summary of the survey and the analysis of the interests of students, schools, banks and governments, so as to understand and grasp the current situation of national student loans. In the third chapter, the author selects five successful national student loan models, such as the United States, Canada, Japan, South Korea and Hong Kong, to make a comparative study, so as to draw lessons from the national conditions of our country. The fourth chapter is the core part of the thesis. Through the previous analysis, the author puts forward how to revise the national student loan policy, and gives the ideal model after the improvement of the national student loan policy. In the fifth chapter, the author analyzes the realistic conditions that affect the perfection of the national student loan policy.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2006
【分类号】：G475
【引证文献】
相关期刊论文 前1条
1 张绍焱;;浅析我国助学贷款存在的问题及出路[J];消费经济;2008年03期
相关硕士学位论文 前7条
1 郭红霞;国家助学贷款校级管理研究[D];西南大学;2007年
2 钟以彬;高校助学贷款债权人主体多元化构想[D];西南大学;2008年
3 金凤;新制度经济学视角下的国家助学贷款制度变迁研究[D];东北师范大学;2008年
4 季晶;基于信贷风险：国家助学贷款管理机制研究[D];苏州大学;2007年
5 李正平;国家助学贷款实施现状与对策建议[D];上海师范大学;2010年
6 江微;国家助学贷款中贫困大学生诚信问题研究[D];东北林业大学;2010年
7 郑康;大学生资助政策实施的现状调查研究[D];福建师范大学;2012年
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