从金融崩 溃理论来看教育贷款面临的改革.pdfVIP

2 1 ( ) Vol. 2 No. 1 2000 6 Social Science Journal of Xiangtan Polytechnic University Jun . 2000 朱富强 ( , 200083) : 无论从目前我国教育需求的现状教育信贷的需求对象借款者的还贷能力自动可 执 协议的声誉机制理论中国的社会文化背景以及银 的贷款心理, 还是从新凯恩斯主义的金 融市场崩溃理论来看, 我国目前教育信贷改革势在必 目前教育信贷较为繁琐的手续和贷款抵 押制度不取消, 教育信贷市场的规模就不会壮大, 也就难以真正刺激教育需求, 也必然难以对目前 的扩大内需政策起到积极作用, 目前的虚假的 过剩 将会持续下去 : 教育信贷; 贷款抵押; 改革 : F830589 : A : ( 2000) 01- 0035- 04 On the urgent reform of education loan in China according to the Financial Collapse Theory ZHU Fu- qiang ( Economics I nsti tut e, S ha nghai Univ ers ity of Fi nance and Economics , S hang hai 200083, Chi na ) Abstract: This paper e pounds the situation of education loan, demanders and their ability to re turn, self- enforcing agreement theory, Chinese culture background, and loaders! psychology. It is high time that the reform of educaton loan w ere carried out. Combined w ith Allocation of Credit and Financial Collapse T heory, it is concluded that the education loan market can! t make a great development until the overelaborate procedure and unnecessary mortgage conditions are abolished. Otherw ise, it is difficult to stimulate the demand of education effectively and the false surplus w ill continue. Key words: education loan; mortgage; reform , , , , , , 一 金融崩溃论的简要介绍 1986 ∀#, : , , ; , : 2000- 01- 06 : ( 1971- ) , , , , , 36 ( ) 2000 6 , ; , , , , , : , , , , , , , , , , , , , , , , , , , 二 对教育贷款现状的分析 , , , ; , , , , , , , , : , , , , 10% 3%, ; 10%40%, , 10%, , , , , , , , ( ) , , , , , , , , , , , , , 2. 5 , 14~ 18