差别定价视角下国家助学贷款政策研究-教育经济与管理专业论文.docxVIP

Abstract State-subsidized student loan is a kind of loan on credit dominated by the government and operated by Banks, education administrative departments and university that national finance gives rates subsidies, and fiscal and universities offer certain risk compensation to Banks to help college students of family economic difficulties for studying at the college. State-subsidized student loan is policies and measures that the central and local government supports powerfully for helping college students of family economic difficulties. But now, State-subsidized student loan is still in mode exploration stage and the contradiction between supply and demand of State-subsidized student loan is still very sharp. This research mainly adopted literature analysis and comparative analysis, summarized in the study of relevant literature both at home and abroad. The theory of equilibrium price and the theory of differential pricing can effectively relieve the contradictions of supply and demand of State-subsidized student loan. From the perspective of the equilibrium price theory, the research described the development of national student loan policy, and summarized the characteristics of supply and demand of each stage. At present, the problems of imbalance of supply and demand of State-subsidized student loan in our country are: gap exists loans, loans imbalance, banks lend phenomenon, which are caused by a single interest rate of State-subsidized student loan. According to the international student loan pricing ways, especially the difference of the student loan pricing in USA, can give some advices to realize the diversity of State-subsidized student loan in China. Finally, the research aiming at the problems existing in State-subsidized student loan and the reasons, found out the differential pricing is an effective way to improve the efficiency of State-subsidized student loan, refer to the student loan differential pricing ideas, trying to build difference pricing m