【摘要】：國(guó)家助學(xué)貸款是指由政府支持、商業(yè)銀行或者其他金融機(jī)構(gòu)發(fā)放的、用于貧困學(xué)生支付高等教育學(xué)費(fèi)或生活費(fèi)用，以學(xué)生的未來(lái)收入為第一還款來(lái)源的貸款。自1999年實(shí)行以來(lái)，逐漸成為高等教育資助體系中最為重要的方式。國(guó)家助學(xué)貸款政策是解決貧困學(xué)生學(xué)習(xí)和生活的經(jīng)濟(jì)困難的良好途徑，有利于避免學(xué)生因經(jīng)濟(jì)困難而失去接受高等教育的機(jī)會(huì)，從而享受教育機(jī)會(huì)平等的權(quán)利，有助于促進(jìn)教育公平、社會(huì)公平。但正是這一旨在實(shí)現(xiàn)教育公平的政策本身存在著一些有失公允的地方。 本文從國(guó)家助學(xué)貸款政策制定中的不公平性入手，總結(jié)了國(guó)家助學(xué)貸款政策存在的幾方面問(wèn)題，助學(xué)貸款資源緊張，并不能保證所有的貧困大學(xué)生都能享受到政策以及應(yīng)貸對(duì)象認(rèn)定的不公平和對(duì)研究生和本科生的助學(xué)貸款沒(méi)有區(qū)別對(duì)待；貸款額度過(guò)于剛性，不能靈活地滿足實(shí)際需要和助學(xué)貸款結(jié)構(gòu)上的不公平；還貸方式及期限的剛硬性。在此基礎(chǔ)上本文探究了發(fā)展和完善我國(guó)國(guó)家助學(xué)貸款政策的建議。 本論文主要研究的結(jié)論是：國(guó)家助學(xué)貸款政策作為一種公共政策，公平性也應(yīng)當(dāng)是其所追求的根本價(jià)值目標(biāo)；國(guó)家助學(xué)貸款政策存在著有失公允的現(xiàn)象；國(guó)家助學(xué)貸款政策的公共政策性質(zhì)決定了政府應(yīng)充分發(fā)揮主導(dǎo)作用，，同時(shí)也應(yīng)發(fā)揮銀行、高校及學(xué)生的積極性來(lái)共同促進(jìn)國(guó)家助學(xué)貸款政策的改革與完善；加強(qiáng)法律法規(guī)及制度建設(shè)也是改革與完善該政策的必由之路。
[Abstract]:State student loan is a loan supported by the government, commercial banks or other financial institutions for poor students to pay for higher education tuition or living expenses, based on the student's future income as the first source of repayment. Since its implementation in 1999, it has gradually become the most important way of financing higher education. The National Student loan Policy is a good way to solve the economic difficulties of poor students in studying and living, and is conducive to avoiding students from losing access to higher education because of economic difficulties and thus enjoying the right to equal opportunities in education. It is helpful to promote educational equity and social equity. But it is this policy, which aims to achieve educational equity, which itself has some unfair aspects. Starting with the unfairness in the policy-making of the national student loan, this paper summarizes the problems existing in the policy of the national student loan, and the shortage of the resources of the student loan. There is no guarantee that all the poor college students can enjoy the policy and the unfairness of the object of loan, and there is no difference in the student loan between graduate student and undergraduate student. The loan quota is too rigid to meet the actual needs and the unfair structure of the student loan, and the way of repayment and the rigid maturity of the loan are too rigid to meet the practical needs and the unfairness of the student loan structure. On this basis, this paper explores the development and improvement of our country's national student loan policy suggestions. The main conclusions of this paper are as follows: as a public policy, the equity of the national student loan policy should also be the fundamental value goal it pursues, the unfair phenomenon exists in the national student loan policy, and the fairness of the national student loan policy should be the fundamental value goal it pursues. The public policy nature of the national student loan policy determines that the government should give full play to the leading role, at the same time, the enthusiasm of the banks, universities and students should be brought into play to jointly promote the reform and improvement of the national student loan policy; Strengthening the construction of laws, regulations and systems is also the only way to reform and perfect the policy.
【學(xué)位授予單位】：東北師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.4;G647.5

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