金融学外文翻译---学生贷款还款和回收：国际比较-金融财政.docVIP

外文题目：Student loans repayment and recover: international comparisons 出 处：Higher Education 作 者：Adrian Ziderman , Hua Shen 原 文： Student loans repayment and recovery: international comparisons Government-sponsored student loans schemes are in place in some 70 countries and regions round the world. Student loans schemes, usually concerned with tertiary education, are of particular interest to governments because these schemes are able to contribute to the solution of a range of pressing policy problems that governments face. Student loans are able to relieve pressures on national budgets by facilitating greater cost sharing though the raising of tuition and other university fees. They both enable students to avoid the burden of the up-front payment of increased tuition fees, as well as enabling them to delay loan repayment until they are in receipt of the higher salaries that generally accrue to university graduates. Liberated resources can be used in areas of greater priority for society, both outside and within the education sector and notably basic education. Greater cost recovery can provide additional funds for the expansion of the university system, to accommodate increases in the social demand for tertiary education. Targeted at the disadvantaged, subsidized loans schemes may lead to greater access to university education for the poor and minority groups, thus contributing to social equity. And loans offered at favorable conditions for study in particular ?elds, can lead to a loosening of skilled manpower bottlenecks that inhibit social, economic and industrial development. Considerable differences are evident in loans schemes across countries. Schemes differ not only in the underlying objectives pursued, but also in such parameters as organizational structure, sources of initial funding, student co