国家助学贷款中存在的问题及对策研究-马克思主义理论与思想政治教育专业论文.docxVIP

Title：STUDY Title：STUDY ON EXlSTlNG PRoBLEMS IN NATIoNAL STUDENTS’ LoAN AND ITS CoUNTERMEASURES Major：the Marxist Theory and Ideological and Political Education Supervisor．Associate Prof．Wenxuan YANG Signature： 唑叩 Name：Kai XING Signature：逝苤!世多 National students’loan undertaken by four national commereial banks including Industrial and Commercial Bank of China，with the interest paid by national finance，is available to full—time students of colleges and universities of PRC(excluding the regions of Hong Kong， Macau，or Taiwan)，who is needy．Since it came into force in 1999，it has become the most usefully policy to help the needy students for it has the largest coverage and funds．But delinquent loans made the confliction between supply and demand of national students’loan intensified，and blocked the operation ofnational students’loan．It is oftheoretical and practical significance to perfect national students’loan policy,to solve the problem of delinquent loans， and to make it available tO more needy students． This thesis studies national students’loan system with the theory of cost sharing of higher education and human capital．National students’loan，which is necessarily demanded by the popularization and the charging system reform of hi【gher education of China,Can erase the adverse impacts of tuition increase，and is effective in solving the problem of needy student who cannot afford the education．But there exist problems such as banks ale unwilling to lend too much,problem of delinquent loans is serious，the distribution of loans is not balanced，and so on．The causes of these problems are：the nature of national students’loan is vague．no relevant laws or regulations are enacted for security,financial environment is not sound，risk compensation is insufficient，government actions are inadequate，the burden rate of students’ paying back is too high，and the investment of colleges is not enough．By referring to the experience of students’loans of America,this