我国新政策条件下的国家助学贷款研究.docxVIP

How to guarantee poor- family potential college students or such kind of students in families with below- average- income bear the opportunity to receive higher education in case that they will be likely to lose this opportunity due to their incapability to pay the tuition? How to increase the coverage of recipient and enlarge the scale of the government-subsidized student loan in order to solve the contradiction between the demand and the supply of the government-subsidized student loan? How to improve the policy so as to lower the default rate and find efficient risk-control measures of the government-subsidized student loan? (IV) How to balance the relationship among the government, the bank and the universities and colleges to realize the multiple winning? What is the way for the government-subsidized student loan which suits for the actual conditions in China? The relevant data is quoted from those in the practical experience of Bank of China and the government-subsidized student loan from Shanxi province. The latest data and trend for research should be likely to be traced at maximum to support this visual angle and proposition--the government-subsidized student loan under new policies, thus providing an illustration for the readers. In the second chapter, the theory basis for the government-subsidized student loan is illustrated from several aspects covering human resources capital theory, higher-education opportunity equality theory, higher-education costs sharing theory and principal-agent theory, management of credit risk theory underneath the general understanding of the government-subsidized student loan, which includes the definition for it at first, its basic feature consists of four aspects, such as positive externalities characteristics, uncertainties, relative contradiction and government participant . Next the advantage of the government-subsidized student loan can be appraised from the economic benefits and social benefits. Then it concluded that