本文選題：國家助學(xué)貸款　切入點(diǎn)：利益主體　出處：《中南民族大學(xué)》2013年碩士論文

【摘要】：高等教育需求的增長導(dǎo)致高等教育規(guī)模擴(kuò)大，規(guī)模擴(kuò)大致使高等教育經(jīng)費(fèi)供給的緊張，教育成本分擔(dān)政策出臺，高等教育收費(fèi)制度使得家庭經(jīng)濟(jì)困難學(xué)生求學(xué)難的問題越來越突出。在此背景下，為了保證不讓大學(xué)生因家庭經(jīng)濟(jì)困難而失去接受高等教育的機(jī)會(huì)，1998年經(jīng)中國人民銀行、教育部、財(cái)政部等部門聯(lián)合下發(fā)了《關(guān)于助學(xué)貸款規(guī)定的通知》；標(biāo)志著國家助學(xué)貸款制度的出臺。 國家助學(xué)貸款政策的出臺，眾多學(xué)者為完善助學(xué)貸款政策，提出不少真知灼見，對于完善國家助學(xué)貸款政策起到積極作用，自實(shí)施助學(xué)貸款政策以來，政策不斷完善，類別不斷增多，手續(xù)不斷簡化，貸款總量逐年增加，截至目前，中行累計(jì)發(fā)放國家助學(xué)貸款174.06億元，資助貧困學(xué)生150余萬人,對于解決貧困學(xué)生順利完成學(xué)業(yè)問題發(fā)揮了巨大作用。但在實(shí)施過程中，仍然存在著貸款銀行存在惜貸，貸款發(fā)放量難以滿足貧困學(xué)生需求等現(xiàn)象。究其原因，主要在于作為高等教育公平政策一部分的助學(xué)政策與作為商業(yè)性手段的貸款之間的沖突，要進(jìn)一步完善國家助學(xué)貸款政策，充分發(fā)揮其助學(xué)功能，有必要進(jìn)一步深入探討助學(xué)貸款政策中政策性目標(biāo)與商業(yè)性手段之間的沖突，研究消解沖突的對策。 在這項(xiàng)研究中，通過對國家助學(xué)貸款特點(diǎn)及其利益主體分析，并對國家助學(xué)貸款政策的發(fā)展變化及實(shí)施現(xiàn)狀分析之后，進(jìn)而對國家助學(xué)貸款政策主體利益沖突的表現(xiàn)進(jìn)行探討，從而提出了消解我國助學(xué)貸款政策主體矛盾的對策。具體研究思路如下： 第一章，，闡述了這項(xiàng)研究的研究背景，研究目的和研究內(nèi)容，綜合現(xiàn)有的研究成果，對國家助學(xué)貸款政策主體的利益沖突進(jìn)行文獻(xiàn)綜述，確定研究方法。 第二章，對國家助學(xué)貸款特點(diǎn)及其利益主體進(jìn)行分析，其內(nèi)容包括國家助學(xué)貸款的概念及要素，國家助學(xué)貸款的特點(diǎn)以及國家助學(xué)貸款利益主體分析三個(gè)方面。 第三章，從兩個(gè)方面四個(gè)層次闡述了國家助學(xué)貸款政策的發(fā)展變化及實(shí)施現(xiàn)狀，在國家助學(xué)貸款政策的發(fā)展變化方面，主要從國家助學(xué)貸款政策產(chǎn)生的背景和國家助學(xué)貸款的發(fā)展變化兩個(gè)層次。而在國家助學(xué)貸款政策實(shí)施的現(xiàn)狀方面，則主要探討了國家助學(xué)貸款政策實(shí)施的積極作用及其實(shí)施中存在的問題。 第四章，對國家助學(xué)貸款政策主體利益沖突的表現(xiàn)進(jìn)行分析，主要論述了利益相關(guān)者理論、利益相關(guān)者視角下國家助學(xué)貸款政策的實(shí)施困境、以及分析各利益主體之間的利益博弈，并對國家助學(xué)貸款政策主體利益沖突的表現(xiàn)進(jìn)行分析總結(jié)，其中包括三個(gè)方面，分別是國家助學(xué)貸款的政策性與商業(yè)銀行的經(jīng)營原則沖突,貸款政策對高校的定位與高校自身利益的沖突以及商業(yè)銀行利益保護(hù)與學(xué)生貸款手續(xù)簡化的沖突。 第五章，通過對我國助學(xué)貸款現(xiàn)狀的分析，結(jié)合我國實(shí)際情況，提出要明確政府、銀行和學(xué)校的關(guān)系及其責(zé)任、并輔以商業(yè)性和政策性改進(jìn)和助學(xué)貸款方案要素的修正等方面消解我國助學(xué)貸款政策主體的矛盾。
[Abstract]:The demand for higher education growth leads to the expansion of higher education, expanding the scale of the higher education funding supply tension, education cost sharing policy, the higher education charge system makes the family economic difficulties students studying hard problems are becoming increasingly prominent. Under this background, in order to ensure not to let students lose the opportunity to receive higher education due to family economic difficulties in 1998, the people's Bank of Chinese, Ministry of education, Ministry of Finance and other departments jointly issued the "notice on the student loan provisions >; marks of national student loan system introduction.
The national student loan policy, many scholars to improve the student loan policy, put forward a lot of high perspicacity, positive effects on the improvement of the national student loan policy, since the implementation of the student loan policy, the policy of continuous improvement, constantly increasing categories, simplify the procedures, the total amount of loans increased year by year, as of now, the Bank of China has issued the national student loan 17 billion 406 million yuan to subsidize poor students more than 150 people, has played a great role in solving the problem of poor students complete their studies. But in the implementation process, there are still existing loan bank credit crunch, the amount of the loan is difficult to meet the needs of poor students. The reason mainly lies in the conflict as part of the equity of higher education policy as a student of policy and the means of commercial loans, to further improve the national student loan policy, give full play to its educational function, It is necessary to further investigate the conflict between student loan policy in the policy objectives and the means of commercial, countermeasure research on conflict resolution.
In this study, through the analysis of the characteristics of national student loan and its stakeholders, and on the development and changes of the national student loan policy and the implementation of the status quo, and the performance of the national student loan policy subject to conflicts of interest are discussed, and puts forward countermeasures of China's main student loan policy contradiction. Specific research ideas are as follows:
The first chapter describes the research background of this study, research objectives and research contents, the research results of the existing conflict of interest on the national student loan policy of the main literature review, determine the research methods.
The second chapter of the National Student Loan Characteristics and stakeholders are analyzed, which includes the concepts and elements of the national student loan, national student loan and the characteristics of national student loan interest analysis in three aspects.
The third chapter, from two aspects describe four levels of development and changes of the national student loan policy and the implementation of the status quo, development and changes of the national student loan policy, two levels of development mainly from the national student loan policy and the background of the national student loan. But in the current implementation of national student loan policy. It mainly discusses the positive effect and the implementation of the national student loan policy implementation of the problem.
The fourth chapter of the national student loan policy subject to conflicts of interest were analyzed, mainly discusses the theory of stakeholders, the implementation of the plight of the national student loan policy from the perspective of stakeholders, and the interests of the game between the interests of the principal, and the national student loan policy interests conflicts were analyzed and summarized, including three aspects are the conflict management principle of policy and Commercial Bank of the national student loan, and conflict of localization of the University College Loan Policy for their own interest conflict and to protect the interests of commercial banks and the student loan procedures simplified.
The fifth chapter, through the analysis of the current situation of student loan in China, combined with China's actual situation, proposed to clarify the relationship between the bank and the government, the school and the responsibility, contradiction and supplemented by commercial and policy improvement and correction factors of the student loan scheme digestion policy subject of student loans in China.

【學(xué)位授予單位】：中南民族大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：G649.2

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