本文關(guān)鍵詞：基于ICL的我國高等教育融資模式創(chuàng)新　出處：《中南大學(xué)》2012年博士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 高等教育融資模式 高等教育貢獻(xiàn)計劃 ICL發(fā)放機(jī)制 ICL回收機(jī)制

【摘要】：ICL (Income contigent loan)是一種以未來收入一定比例償還債務(wù)的信用貸款,被國內(nèi)學(xué)者稱為“按收入比例還款型”貸款。該貸款模式在國際上已被成功廣泛用于學(xué)生貸款,其與高等教育投融資制度相結(jié)合,可實現(xiàn)在不增加學(xué)生家庭負(fù)擔(dān)的前提下提高學(xué)生對高等教育成本分擔(dān)比例,從而本文將探索基于ICL的我國高等教育融資模式創(chuàng)新。 首先基于地區(qū)差異化視角采用菲德模型對我國當(dāng)前高等教育投資的經(jīng)濟(jì)總效益、溢出效應(yīng)、相對要素生產(chǎn)力進(jìn)行實證分析,研究我國高等教育投融資的經(jīng)濟(jì)貢獻(xiàn)作用現(xiàn)狀,研究結(jié)果表明高等教育投資的經(jīng)濟(jì)效益地區(qū)差異顯著,呈現(xiàn)中部地區(qū)最高、東部其次、西部最低的特征；高等教育對非高等教育部門的溢出效益呈現(xiàn)西部最高、中部其次、東部最低的特征,高等教育的溢出效應(yīng)與地區(qū)的經(jīng)濟(jì)發(fā)達(dá)程度表現(xiàn)為負(fù)相關(guān)；高等教育的相對要素生產(chǎn)力低于非高等教育部門。同時對我國高等教育經(jīng)費整體水平和構(gòu)成進(jìn)行地區(qū)差異化比較,發(fā)現(xiàn)經(jīng)費投入與高等教育投資的溢出效益不相匹配,投入規(guī)模有限,這表明我國高等教育融資機(jī)制存在結(jié)構(gòu)性問題,陷入融資瓶頸。 與ICL相結(jié)合的高等教育融資創(chuàng)新存在優(yōu)于傳統(tǒng)模式的特點,本文試圖構(gòu)建基于ICL的我國高等教育融資模式創(chuàng)新以突破我國現(xiàn)有高等教育投融資體制的融資瓶頸,為此需對ICL和基于ICL的高等教育融資創(chuàng)新的國際實踐經(jīng)驗進(jìn)行分析。國際經(jīng)驗表明政府財政財力保障、完善的稅收征集系統(tǒng)、良好的道德環(huán)境、較高的高等教育個人收益率等條件是成功實施基于ICL的高等教育融資創(chuàng)新的重要條件。另外,國際失敗經(jīng)驗表明管理和法律的先決條件、正確的實施步驟也是基于ICL的高等教育融資模式是否成功實踐的影響因素。 基于ICL的我國高等教育融資模式創(chuàng)新的科學(xué)性和可操作性是其能否成功構(gòu)建和實施的必要條件。本文分別從外部性理論、人力資本風(fēng)險投資理論、成本分擔(dān)理論對其合理性和科學(xué)性進(jìn)行理論論證,結(jié)論一致表明該融資創(chuàng)新具有充分的合理性和科學(xué)性。另外,結(jié)合國際實踐經(jīng)驗,對我國推行基于ICL的高等教育融資創(chuàng)新所具備的條件進(jìn)行分析,認(rèn)為我國初步具備實施基于ICL的高等教育融資模式的條件。 ICL是基于ICL的高等教育融資模式創(chuàng)新的關(guān)鍵環(huán)節(jié),決定其是否可持續(xù)有效運行。當(dāng)前存在四種基本類型ICL,為選擇適合我國國情的ICL類型,本文分別從理論和實證分析進(jìn)行探討。理論分析表明風(fēng)險轉(zhuǎn)移型ICL模式在減少信息不對稱所導(dǎo)致的逆向選擇和道德風(fēng)險問題、教育公平、收入再分配等問題上優(yōu)于其他ICL。根據(jù)實證分析和模擬測算結(jié)果,風(fēng)險轉(zhuǎn)移型ICL模式下本科生和研究生對高等教育的貢獻(xiàn)度高于我國當(dāng)前的“學(xué)費+稅收”的融資模式,同時該模式下個人高等教育收益率相對當(dāng)前教育模式下個人收益變化較小。另外,實證結(jié)果表明,在研究生畢業(yè)生中HCC的高等教育貢獻(xiàn)額度高于其它模式。因此,結(jié)合理論和實證分析,固定比例還款的風(fēng)險轉(zhuǎn)移型ICL與HCC混合的ICL是我國高等教育融資模式的帕累托最優(yōu)選擇。 選擇ICL和HCC結(jié)合的混合ICL,構(gòu)建基于ICL的我國高等教育融資模式,設(shè)計出以高等教育貢獻(xiàn)計劃、ICL貸款發(fā)放機(jī)制和回收機(jī)制為核心的基本運行框架,并給出了高等教育貢獻(xiàn)計劃、ICL貸款發(fā)放機(jī)制和回收機(jī)制的具體制度安排。 為尋求基于ICL的高等教育融資模式創(chuàng)新持續(xù)運行的微觀條件,運用動態(tài)博弈方法對不同微觀條件下風(fēng)險轉(zhuǎn)移型ICL和HCC中各利益主體博弈的納什均衡進(jìn)行求解。結(jié)合博弈分析結(jié)論和基本運行框架,提出支持我國推行基于ICL的高等教育融資模式的對策建議。方面,從建立有效的學(xué)生信息管理體系、構(gòu)建ICL資金的長效補(bǔ)償機(jī)制、引導(dǎo)非正規(guī)約束促進(jìn)融資效率改進(jìn)、推行市場導(dǎo)向的高等教育自主辦學(xué)機(jī)制四個方面構(gòu)建確保基于ICL的高等教育持續(xù)發(fā)展的配套措施。另一方面從法律環(huán)境、信用環(huán)境以及稅收環(huán)境完善我國推行基于ICL的高等教育融資模式的運行環(huán)境。
[Abstract]:ICL (Income contigent loan) is a certain proportion of future income to repay the debt credit, domestic scholars called "income contingent repayment" loan. The loan model in the world has been widely used for student loans, and the higher education financing system combined can be realized without increasing the burden of the families of students improve students of higher education cost sharing proportion, so this paper will explore the innovation of China's higher education financing model based on ICL.
First of all from the perspective of the regional differences in the total economic benefits of Feder model, investment in the current higher education in China based on the relative factor productivity spillover effect, empirical analysis, the economic contribution of current research on the investment and financing of higher education in China, the results show that the difference of economic benefit in higher education investment significantly, showing the highest in the central region, East Second the lowest, characteristics of higher education in the West; spillover benefits of non higher education sector showed the highest, followed by the central, Eastern minimum characteristics, spillover effect and regional higher education economic development level is negatively correlated; relative factor productivity of higher education is lower than that of higher education department. At the same time, the overall level of China's higher education the funds and makes comparison among different regions, found that the spillover benefits of investment and investment in higher education do not match, investment It is limited in scale, which shows that there is a structural problem in the financing mechanism of higher education in China and a bottleneck in financing.
Higher education financing innovation combined with the existence of ICL features is superior to the traditional model, this paper attempts to construct the financing bottleneck based on the innovation of China's higher education financing mode of ICL to break through the existing higher education investment and financing system in China, the analysis of ICL and ICL in higher education financing innovation in international experience based on international. Experience shows that the government financial support, perfect the tax collection system, a good moral environment, conditions of higher education individual income rate is the important condition of the successful implementation of higher education financing innovation based on ICL. In addition, the international experience shows that failure prerequisite of management and law, correct steps of implementation is based on higher education financing ICL would not affect the successful practice of the factors.
ICL based on the scientific innovation of China's higher education financing mode and operation is the success of the construction and implementation of the necessary conditions. This paper from the externality theory, the theory of human capital investment risk, cost sharing theory to demonstrate its rationality and scientificity, consistent with the conclusion that the financial innovation is reasonable and scientific fully. In addition, combined with the international experience, the implementation of the higher education financing innovation based on ICL conditions in China are analyzed, think our country initially with the implementation of higher education financing mode based on the condition of ICL.
ICL is a key link in the innovation of higher education financing mode based on ICL, to determine whether the operation is effective. The current sustainable there are four basic types of ICL, as the selection for our ICL type, this paper carries on the discussion from the theoretical and empirical analysis. The theoretical analysis shows that the risk transfer mode of ICL in the adverse selection and moral hazard problems and reduce the information asymmetry in the educational equity, income redistribution issues such as superior to other ICL. according to the empirical analysis and simulation results, contribution to higher education for undergraduate and graduate students ICL risk transfer mode is higher than the current "Tuition + tax" financing mode, and the mode of higher education personal income the rate of personal income relative to the current education mode changed little. In addition, the empirical results show that in the graduate graduates of HCC in higher education is higher than the amount of contribution Therefore, combined with theoretical and empirical analysis, the HCC with a fixed proportion of repayment of ICL and HCC is the best choice of Chinese higher education financing mode.
ICL ICL and HCC mixed with the construction mode of financing of higher education in China based on ICL, designed by the Higher Education Contribution Scheme, the basic framework ICL loan mechanism and recovery mechanism as the core, and gives the Higher Education Contribution Scheme, ICL loan payment mechanism and recovery mechanism of concrete system arrangement.
For micro conditions of continuous operation and innovation of higher education financing mode based on ICL, using the dynamic game method for solving the Nash equilibrium game of stakeholders ICL and HCC risk transfer of different micro conditions. Combined with the game analysis and the basic operating framework, put forward in support of China's implementation of countermeasures and suggestions of higher education financing model ICL based on, from the establishment of student information management system, the long-term compensation mechanism construction of ICL funds, guide the informal constraints to promote the financing efficiency improvement of higher education, implementing market-oriented self organized mechanism of the four aspects of the construction of supporting measures to guarantee the sustainable development of higher education based on ICL. On the other hand from the legal environment. The credit environment and improve tax environment for our country to carry out the operation environment of higher education financing mode based on ICL.

【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2012
【分類號】：G649.2

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本文編號：1428865