本文關(guān)鍵詞： 國家助學貸款 四川省 問題 建議　出處：《西南交通大學》2013年碩士論文　論文類型：學位論文

【摘要】：教育是我國構(gòu)建社會主義和諧社會的重要基石,現(xiàn)階段由于我國地區(qū)之間、家庭之間收入仍存在較大差距,部分學生因家庭經(jīng)濟困難不能順利完成學業(yè),為了促進教育公平和教育事業(yè)的協(xié)調(diào)發(fā)展,幫助經(jīng)濟困難學生順利完成學業(yè),國家推出了國家助學貸款,推出以來受到了一致的好評,但同時也伴隨著許多不足。四川省位于西部地區(qū),在國家助學貸款實施中取得一系列成就的同時,卻存在許多不盡如人意的地方,如貸款的供需矛盾仍然存在,學生到期不償還貸款,貸款資格鑒別還存在漏洞,開展貸款失衡等等。本文擬通過對四川省高校學生發(fā)放調(diào)查問卷并進行統(tǒng)計分析,在借鑒國內(nèi)外成功實施的國家助學貸款政策基礎(chǔ)上,提出幫助四川省完善國家助學貸款運行機制的相關(guān)建議。 本文首先介紹了研究的選題背景、選題意義、國內(nèi)外國家助學貸款的研究綜述、研究思路及研究方法等;其次介紹了國家助學貸款的基本概念,簡述了國家助學貸款實施的理論基礎(chǔ);接著在文章的主體部分中對成都四所教育部直屬高校的800名學生進行了問卷調(diào)查,回收有效問卷754份,在調(diào)查的基礎(chǔ)上進行了數(shù)理統(tǒng)計;之后在問卷調(diào)查的基礎(chǔ)上提出了四川省國家貸款工作面臨的主要問題和原因分析;最后根據(jù)闡述的相關(guān)問題和原因,參考了國內(nèi)外國家助學貸款運行機制,從政府、高校、銀行、學生四個方面提出了完善四川省國家助學貸款的政策建議。
[Abstract]:Education is an important cornerstone of building a harmonious socialist society in our country. At this stage, there is still a large gap in income among families among the regions of our country, and some students are unable to finish their studies smoothly because of the economic difficulties of their families. In order to promote the coordinated development of education equity and education, and help the students with financial difficulties to complete their studies smoothly, the state has launched the National Student loan, which has been praised consistently since its introduction. But at the same time, there are also many shortcomings. Sichuan Province is located in the western region, in the implementation of a series of achievements in the implementation of national student loans, but there are many unsatisfactory places, such as loan supply and demand contradictions still exist. Students do not repay loans due, loan qualification identification is still loopholes, the development of loan imbalance and so on. This paper intends to issue questionnaires to college students in Sichuan Province and carry out statistical analysis. On the basis of the successful implementation of the national student loan policy at home and abroad, this paper puts forward some suggestions to help Sichuan improve the operation mechanism of the national student loan. This paper first introduces the research background, the significance of the topic, the domestic and foreign national student loan research review, research ideas and research methods; Secondly, the basic concept of national student loan is introduced, and the theoretical basis of the implementation of national student loan is briefly described. Then, in the main part of the article, 800 students in four universities directly under the Ministry of Education in Chengdu were investigated, 754 valid questionnaires were collected, and mathematical statistics were carried out on the basis of the investigation. Then, based on the questionnaire survey, the paper puts forward the main problems and causes of the national loan work in Sichuan Province. Finally, according to the related problems and reasons, referring to the domestic and foreign national student loan operation mechanism, from the government, universities, banks, students four aspects of the improvement of Sichuan Province National Student loan policy recommendations.
【學位授予單位】：西南交通大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：G647.5

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本文編號：1453815