高等教育成本分担语境下国家助学贷款探究

发布时间：2018-11-07 10:50

【摘要】：随着我国高校规模的持续扩张,越来越多的贫困生走进了大学校门。但是,由于高等教育成本分担的实施,"上大学难"成为社会各界普遍关注的热点问题之一。为帮助贫困生完成学业,国家适时地推出了助学贷款。但是,在实施过程中却存在着贷款规模小、违约率高、风险补偿金设计不合理等问题,其原因在于一些地方领导不重视,国民信用意识淡薄、政策设计有缺陷等因素所致。基于此,解决问题的策略为:把国家助学贷款政策的执行纳入对地方主要领导的考核范围,强化政策的执行力度;改善政策执行环境,建立和完善国家助学贷款的信用监督管理机制;改革现有的风险保障金制度,国家是高等教育的最大受益者,应由政府承担主要风险。
[Abstract]:With the continuous expansion of university scale, more and more poor students enter the university gate. However, due to the implementation of the cost sharing of higher education, the difficulty of going to university has become one of the hot issues concerned by all walks of life. In order to help poor students to complete their studies, the state timely launched a student loan. However, there are some problems in the process of implementation, such as small loan scale, high default rate and unreasonable design of risk compensation. The reasons are that some local leaders do not attach importance to it, the national credit consciousness is weak, and the policy design is flawed. Based on this, the strategies to solve the problem are as follows: the implementation of the national student loan policy should be included in the assessment scope of the main local leaders, and the enforcement of the policy should be strengthened; To improve the policy implementation environment, to establish and perfect the credit supervision and management mechanism of the state student loan, and to reform the existing risk guarantee fund system, the country is the biggest beneficiary of higher education, and the government should bear the main risks.
【作者单位】：郑州大学教育系;
【基金】：2008年度国家教育科学“十一五”规划课题“高校助学贷款运行机制研究”(FFB080536)
【分类号】：G647.5;F832.479

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