本文選題：國(guó)家助學(xué)貸款 + 誠(chéng)信缺失　； 參考：《湖北工業(yè)大學(xué)》2013年碩士論文

【摘要】：隨著知識(shí)經(jīng)濟(jì)發(fā)展，人才的重要性日益凸顯，人們?cè)絹?lái)越認(rèn)識(shí)到高等教育的重要性。在現(xiàn)代的經(jīng)濟(jì)全球化的進(jìn)程中，高等教育的發(fā)展直接為經(jīng)濟(jì)的發(fā)展提供了先進(jìn)的技術(shù)支持和堅(jiān)實(shí)的理論知識(shí)，，是國(guó)家經(jīng)濟(jì)社會(huì)發(fā)展的重要基礎(chǔ)。我國(guó)在著力擴(kuò)大了高等教育的規(guī)模，然而也增加了高等教育的教育成本。國(guó)家助學(xué)貸款為家庭經(jīng)濟(jì)困難的學(xué)生提供了繼續(xù)接受教育的有效途徑。自實(shí)施以來(lái)，國(guó)家助學(xué)貸款幫助了數(shù)百萬(wàn)家庭經(jīng)濟(jì)困難學(xué)生實(shí)現(xiàn)了“大學(xué)夢(mèng)”，已經(jīng)成為促進(jìn)我國(guó)教育發(fā)展的重要途徑。 然而在實(shí)施過(guò)程中，由于國(guó)家助學(xué)貸款是一種政策性貸款，并且有僅憑信用即可貸款的這一特點(diǎn)，倘若大學(xué)生出現(xiàn)違約行為，勢(shì)必影響該政策的可持續(xù)性。大學(xué)生國(guó)家助學(xué)貸款誠(chéng)信缺失的原因及防范對(duì)策成為亟需探究的問(wèn)題。因此，本文針對(duì)此問(wèn)題，圍繞國(guó)家助學(xué)貸款的相關(guān)主體，政府、銀行、家庭、高校、學(xué)生五個(gè)方面對(duì)大學(xué)生國(guó)家助學(xué)貸款誠(chéng)信缺失的原因進(jìn)行探究，并從五個(gè)方面提出防范誠(chéng)信缺失的對(duì)策。 具體來(lái)說(shuō)，本文由六個(gè)部分組成： 第一部分:引言。主要闡述了本文的研究目的和意義、相關(guān)研究綜述、研究思路及文章的創(chuàng)新點(diǎn)。 第二部分:系統(tǒng)闡述了國(guó)家助學(xué)貸款的理論基礎(chǔ)，主要包括教育公平理論、高等教育成分分擔(dān)理論和違約風(fēng)險(xiǎn)理論。 第三部分:梳理我國(guó)助學(xué)貸款政策的演進(jìn)過(guò)程，為研究大學(xué)生國(guó)家助學(xué)貸款誠(chéng)信缺失提供理論基礎(chǔ)。 第四部分:在分析大學(xué)生國(guó)家助學(xué)貸款誠(chéng)信缺失引發(fā)風(fēng)險(xiǎn)的影響及就誠(chéng)信缺失進(jìn)行分階段介紹缺失表現(xiàn)的基礎(chǔ)上，系統(tǒng)分析我國(guó)大學(xué)生誠(chéng)信缺失的原因，主要包括：政府法律體系不健全，國(guó)家助學(xué)貸款定位不清晰；銀行審核體系不完善，投入成本較大，后續(xù)跟蹤管理不及時(shí)；家庭誠(chéng)信教育缺乏，對(duì)孩子良好影響教育不到位；高校受制于傳統(tǒng)教育模式，誠(chéng)信制度建設(shè)滯后，助學(xué)貸款管理隊(duì)伍建設(shè)不足；學(xué)生存在賴(lài)賬逃債心理，對(duì)未來(lái)還貸信心不足。 第五部分:從政府、銀行、家庭、高校、學(xué)生五大方面提出大學(xué)生國(guó)家助學(xué)貸款誠(chéng)信缺失的防范對(duì)策。主要包括：從政府方面，優(yōu)化社會(huì)的輿論環(huán)境，營(yíng)造良好的誠(chéng)信氛圍；完善法律體系建設(shè)，健全助學(xué)貸款的相關(guān)政策；繼續(xù)增加商業(yè)銀行的風(fēng)險(xiǎn)補(bǔ)償金，提高銀行助學(xué)貸款的積極性，并采取必要獎(jiǎng)勵(lì)機(jī)制，促進(jìn)商業(yè)銀行發(fā)放助學(xué)貸款；針對(duì)不同階段進(jìn)行風(fēng)險(xiǎn)等級(jí)劃分。從銀行方面，完善審核體系，從簡(jiǎn)貸款手續(xù)和主動(dòng)為滿(mǎn)足貸款條件的學(xué)生服務(wù)；轉(zhuǎn)變傳統(tǒng)觀(guān)念，積極推進(jìn)國(guó)家助學(xué)貸款開(kāi)展，推進(jìn)國(guó)家教育發(fā)展；開(kāi)展多樣的還款方式，加強(qiáng)貸后跟蹤管理。從家庭方面，加強(qiáng)孩子誠(chéng)信教育，提升家庭自身素質(zhì)水平；營(yíng)造良好的家庭環(huán)境，加強(qiáng)孩子良好影響教育；從教育孩子“做人”入手，培養(yǎng)孩子良好的道德觀(guān)念；孩子進(jìn)入大學(xué)后，堅(jiān)持對(duì)孩子的心理健康的關(guān)注。從高校方面，加強(qiáng)誠(chéng)信教育，把誠(chéng)信教育作為重要一課；增加感恩教育，把感恩教育與誠(chéng)信教育相結(jié)合；加強(qiáng)高校在國(guó)家助學(xué)貸款中的橋梁作用；完善誠(chéng)信評(píng)價(jià)體系、建立誠(chéng)信檔案。從學(xué)生自身方面，學(xué)生樹(shù)立良好的誠(chéng)信觀(guān)；學(xué)習(xí)社會(huì)意識(shí)和責(zé)任感；學(xué)生合理定位，清晰就業(yè)觀(guān)。 第六部分:總結(jié)，總結(jié)全文并提出有待進(jìn)一步研究的問(wèn)題。
[Abstract]:With the development of the knowledge economy , the importance of higher education is becoming more and more important . In the process of modern economic globalization , the development of higher education provides advanced technical support and solid theoretical knowledge for the development of the economy . It is an important basis for the country ' s economic and social development .


However , in the course of implementation , because the state - aided loan is a kind of policy - based loan , and it has the characteristic of credit - only loan , if the university student ' s default behavior , it will affect the sustainability of the policy . Therefore , this paper probes into the reasons for the lack of credit integrity of the student ' s state - assisted loan and the prevention countermeasure . Therefore , the article probes into the reasons for the lack of credit integrity of the student ' s state - assisted loan in five aspects , such as the relevant subject , the government , the bank , the family , the university and the student , and puts forward the countermeasures to prevent the lack of honesty from the five aspects .


Specifically , this article consists of six parts :


Part I : Introduction . This paper mainly expounds the research purpose and significance of this paper , the research overview , the research thinking and the innovation point of the article .


The second part : The system expounds the theoretical foundation of the state - assisted loan , mainly including the theory of educational equity , the theory of component - sharing of higher education and the theory of default risk .


The third part : combing the evolution process of the student loan policy in our country , and providing the theoretical basis for the study of the lack of credit in the student ' s state - assisted loan .


The fourth part : On the basis of analyzing the influence of the lack of credit and the lack of honesty , the paper systematically analyzes the reasons of the lack of honesty of university students , including the imperfection of government legal system and the unclear positioning of state - assisted loan ;
The audit system of the bank is not perfect , the investment cost is large , and the follow - up tracking management is not timely ;
Lack of family honesty education , bad influence on children is not in place ;
The university is subject to the traditional mode of education , the construction of the credit system is delayed , and the construction of the student loan management team is insufficient ;
Students have the psychology of debt evasion and lack of confidence in the future repayment .


In the fifth part , the paper puts forward the countermeasures to prevent the lack of credit for college students from the five aspects of government , bank , family , university and student .
Improve the construction of legal system and improve the relevant policies of student loan ;
Continue to increase the bank ' s risk compensation fund , raise the enthusiasm of the bank student loan , and adopt the necessary incentive mechanism to promote the commercial bank to issue the student loan ;
Risk level division is carried out for different stages . From the aspect of bank , perfect the audit system , the loan procedure and the initiative to satisfy the student service of the loan condition ;
To change the traditional concept , actively promote the development of state - assisted loan and promote the development of national education ;
Carry out various repayment methods , strengthen the post - loan tracking management . From the family side , strengthen the children ' s honesty education , improve the family ' s own quality level ;
Create a good family environment , strengthen the child ' s good impact education ;
Starting from educating children , cultivating children ' s good moral values ;
After the children enter the university , persist in the attention to the children ' s mental health . From the aspect of the university , strengthen the honesty education and take the honesty education as an important lesson ;
Increase the Thanksgiving education , combine the gratitude education with the good faith education ;
Strengthen the bridge function of the university in the state - assisted loan ;
We should perfect the system of good faith evaluation and establish a good faith file . From the students ' own aspects , the students should establish a good faith view ;
Learning social awareness and sense of responsibility ;
The students are reasonably positioned and the view of employment is clear .


Part VI : To sum up , summarize and present the problems to be further studied .

【學(xué)位授予單位】：湖北工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：G641

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