本文選題：國家助學(xué)貸款 + 政策執(zhí)行��； 參考：《廣西大學(xué)》2012年碩士論文

【摘要】：國家助學(xué)貸款政策是黨中央、國務(wù)院為實(shí)施科教興國戰(zhàn)略,加速人才培養(yǎng),特別是使經(jīng)濟(jì)較困難優(yōu)秀青年得以深造的重大決策,是國家為了利用金融手段支持高等教育體制的深化改革,促進(jìn)我國教育事業(yè)發(fā)展的重要舉措。雖然取得了一定的成果,但是由于我國實(shí)施國家助學(xué)貸款的時(shí)間不長(zhǎng),相應(yīng)的配套措施還不夠完善,因此在實(shí)施過程中各種潛在的矛盾和問題也逐漸暴露出來。本文通過文獻(xiàn)分析、問卷調(diào)查、訪談?wù){(diào)查和網(wǎng)絡(luò)調(diào)查法,就我國大學(xué)生助學(xué)貸款政策在執(zhí)行過程中存在的問題進(jìn)行分析。論文首先介紹了政策有效執(zhí)行的條件：政策資源、執(zhí)行主體、目標(biāo)群體,以及政策執(zhí)行的理論模式,為開展研究指明了方向。然后通過闡述國外助學(xué)貸款的成功經(jīng)驗(yàn)和我國助學(xué)貸款發(fā)展歷程及實(shí)施現(xiàn)狀,提出我國助學(xué)貸款在執(zhí)行過程中存在資格審查工作難、申請(qǐng)貸款手續(xù)繁瑣、違約問題嚴(yán)重等問題,從政策執(zhí)行角度,運(yùn)用政策執(zhí)行過程模型即“史密斯”模型以及政策執(zhí)行失效模型即“浴盆”模型,以廣西S高職院校為例,從政府、銀行、學(xué)校、學(xué)生四方面對(duì)目前存在問題的原因進(jìn)行分析,在政府方面：政府職能作用不明顯、地方認(rèn)定機(jī)構(gòu)不完善；在銀行方面：供求不平衡挫傷銀行積極性、助學(xué)貸款政策與金融機(jī)構(gòu)的經(jīng)營(yíng)性存在矛盾；在學(xué)校方面：部分高校資助中心對(duì)業(yè)務(wù)不熟悉、學(xué)校對(duì)學(xué)生信息掌握不準(zhǔn)確、貧困生認(rèn)定過程主觀性較大；在學(xué)生方面：學(xué)生對(duì)國家助學(xué)貸款政策了解欠缺、部分學(xué)生誠信意識(shí)淡薄。最后提出改善我國大學(xué)生助學(xué)貸款政策執(zhí)行效果的對(duì)策：一是通過完善國家助學(xué)貸款的相關(guān)法律法規(guī),以及把國家助學(xué)貸款的中心從高校轉(zhuǎn)移至生源地貸款來充分發(fā)揮政府的職能；二是通過加強(qiáng)地方政府、高校、銀行的培訓(xùn)并建立合作關(guān)系、制定切實(shí)可行措施降低貸款違約率,從而提高銀行參與國家助學(xué)貸款的積極性；三是通過成立專門的國家助學(xué)貸款管理機(jī)構(gòu)、加強(qiáng)貸后管理以及構(gòu)建多層次的資助體系,進(jìn)一步加強(qiáng)高校貸款的管理責(zé)任；四是從加大國家助學(xué)貸款政策宣傳力度、適時(shí)開展階段性誠信教育、構(gòu)建大學(xué)生個(gè)人信用體系等三個(gè)方面來加大政策宣傳,提升學(xué)生誠信意識(shí)。
[Abstract]:The national student loan policy is a major decision of the CPC Central Committee and the State Council to implement the strategy of rejuvenating the country through science and education and to speed up the training of talents, especially to enable outstanding young people with economic difficulties to further their studies. It is an important measure for the government to use financial means to support the deepening reform of higher education system and to promote the development of education in our country. Although some achievements have been made, due to the short time of implementing the national student loan in our country, the corresponding supporting measures are not perfect enough, so all kinds of potential contradictions and problems are gradually exposed in the process of implementation. Through literature analysis, questionnaire survey, interview and network investigation, this paper analyzes the problems existing in the implementation of college student loan policy in China. The paper first introduces the conditions of effective policy implementation: policy resources, executive subject, target group, and the theoretical model of policy implementation, pointing out the direction for the research. Then, by expounding the successful experience of foreign student loan and the developing course and actualizing situation of our country's student loan, the paper points out that there are some problems such as the difficulty of qualification examination, the complicated procedure of applying for loan, the serious problem of breach of contract and so on in the process of implementing student loan in our country. From the perspective of policy implementation, the paper applies the process model of policy implementation, namely "Smith" model, and the model of failure of policy implementation, that is, "bathtub" model. Taking Guangxi S higher vocational college as an example, from the government, bank, school, the government, the bank, the school, Four aspects of students to analyze the existing problems, in the government: the role of the government is not obvious, local institutions are not perfect; in the bank: supply and demand imbalance dampened the enthusiasm of the bank, There are contradictions between the policy of student loan and the management of financial institutions. In the aspect of school, some university aid centers are not familiar with the business, the school is not accurate about the students' information, and the process of identifying poor students is subjective. In terms of students, students lack understanding of the national student loan policy, and some students have a weak sense of honesty. Finally, the author puts forward some countermeasures to improve the effect of college student loan policy in China: first, by perfecting the relevant laws and regulations of the national student loan, And to transfer the center of the national student loan from university to student loan to give full play to the functions of the government; second, by strengthening the training of local governments, universities and banks and establishing cooperative relations, we should formulate practical measures to reduce the loan default rate. In order to improve the enthusiasm of banks to participate in national student loans, the third is to further strengthen the management responsibility of university loans through the establishment of special national student loan management agencies, strengthening the post-loan management and building a multi-level financial support system; The fourth is to strengthen the propaganda of the national student loan policy, to carry out the phased honesty education in good time, to construct the personal credit system of college students, and to enhance the students' honesty consciousness.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：G649.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 魏鋼毅;李曉群;郝放;;淺析公共政策執(zhí)行失效的原因及對(duì)策[J];技術(shù)與市場(chǎng);2010年02期

2 周柏春;;影響公共政策失效的因素及其矯正[J];理論導(dǎo)刊;2009年12期

3 張英;;國家助學(xué)貸款與大學(xué)生誠信教育[J];沈陽教育學(xué)院學(xué)報(bào);2009年03期

4 郭桂環(huán);;國家助學(xué)貸款制度的可持續(xù)發(fā)展研究——實(shí)現(xiàn)教育公平的個(gè)體經(jīng)濟(jì)基礎(chǔ)[J];邢臺(tái)學(xué)院學(xué)報(bào);2009年02期

5 黃永明;;國家助學(xué)貸款中大學(xué)生誠信缺失現(xiàn)象與對(duì)策[J];黑龍江高教研究;2009年06期

6 徐國興;;國家助學(xué)貸款制度改革:問題、應(yīng)對(duì)和錯(cuò)位[J];江蘇高教;2009年03期

7 李曉靖;牛凌青;;淺談助學(xué)貸款中學(xué)生違約問題及解決對(duì)策[J];河南廣播電視大學(xué)學(xué)報(bào);2009年02期

8 白瑛;張曉雁;;發(fā)展生源地助學(xué)貸款的優(yōu)勢(shì)和問題分析[J];沈陽建筑大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2009年02期

9 姜東;;遼寧省高校家庭經(jīng)濟(jì)困難學(xué)生國家助學(xué)貸款工作現(xiàn)狀及對(duì)策[J];現(xiàn)代教育管理;2009年03期

10 何牧;;我國高等教育助學(xué)貸款研究[J];教育與職業(yè);2009年09期

相關(guān)碩士學(xué)位論文 前4條

1 王靜;高校助學(xué)貸款運(yùn)行中的問題及其解決對(duì)策的研究[D];蘇州大學(xué);2007年

2 趙丹妮;國家助學(xué)貸款政策執(zhí)行過程的精細(xì)化管理[D];吉林大學(xué);2007年

3 張建鋒;我國國家助學(xué)貸款的公共政策分析[D];蘇州大學(xué);2006年

4 吳曉琴;國家助學(xué)貸款政策執(zhí)行效力研究[D];蘇州大學(xué);2006年

，

本文編號(hào)：1801025