【摘要】：隨著我國高等教育體制改革的不斷深化,高等教育規(guī)模不斷擴大,呈現(xiàn)出從精英教育向大眾化教育過渡的發(fā)展趨勢。 高校擴招和高等教育收費使得高校貧困生數(shù)量急劇增大,為了減輕貧困生的經(jīng)濟壓力,實現(xiàn)教育公平,1999年起我國開始實施國家助學(xué)貸款政策。 國家助學(xué)貸款工作自開展至今,對緩解貧困生經(jīng)濟壓力和保持學(xué)校教學(xué)秩序穩(wěn)定起到了非常重要的作用,但同時也暴露出很多問題,如實際放貸的比例過低、各地區(qū)、各高校間開展不平衡、獲貸同學(xué)欠還率逐年升高等問題越來越突出。筆者通過對高校助學(xué)貸款工作中存在的主要問題及產(chǎn)生原因進行分析,以及助學(xué)貸款的國際化比較,提出完善我國助學(xué)貸款政策的建議。 論文第一章內(nèi)容主要闡明了我的寫作動機、題目來源背景、研究目標(biāo)、研究方法以及國家助學(xué)貸款政策的發(fā)展與調(diào)整。 論文第二章內(nèi)容主要是對四所高校的問卷調(diào)研與訪談、調(diào)研綜述以及對學(xué)生、學(xué)校、銀行、政府四個當(dāng)事人的利益分析,進而了解和把握國家助學(xué)貸款的現(xiàn)狀。 筆者在論文第三章中,選取了美國、加拿大、日本、韓國、香港等5個國家和地區(qū)比較成功的國家助學(xué)貸款模式進行比較研究,從而得出適合我國國情的可借鑒思考。 第四章是論文的核心部分,筆者通過前面的分析提出了國家助學(xué)貸款政策應(yīng)該如何修正,并給出了國家助學(xué)貸款政策完善后的理想模式。 在第五章中,筆者對影響國家助學(xué)貸款政策完善的現(xiàn)實條件進行了分析。
[Abstract]:With the deepening of the reform of higher education system in our country, the scale of higher education is expanding, showing the development trend of the transition from elite education to popular education. The expansion of enrollment and the charge of higher education make the number of poor students in colleges and universities increase sharply. In order to reduce the economic pressure of poor students and realize educational fairness, China began to implement the national student loan policy since 1999. Since the work of state student loans has been carried out, it has played a very important role in alleviating the economic pressure of poor students and maintaining the stability of school teaching order, but at the same time, it has also exposed many problems, such as the proportion of actual loans is too low, various regions, The imbalance among colleges and universities, the loan student default rate increases year by year and other problems become more and more prominent. Based on the analysis of the main problems and causes in the work of student loan in colleges and universities, as well as the international comparison of student loan, the author puts forward some suggestions for perfecting the policy of student loan in China. The first chapter mainly expounds my writing motivation, the background of the topic source, the research goal, the research method and the development and adjustment of the national student loan policy. The second chapter is mainly a questionnaire survey and interview of four colleges and universities, a summary of the survey and the analysis of the interests of students, schools, banks and governments, so as to understand and grasp the current situation of national student loans. In the third chapter, the author selects five successful national student loan models, such as the United States, Canada, Japan, South Korea and Hong Kong, to make a comparative study, so as to draw lessons from the national conditions of our country. The fourth chapter is the core part of the thesis. Through the previous analysis, the author puts forward how to revise the national student loan policy, and gives the ideal model after the improvement of the national student loan policy. In the fifth chapter, the author analyzes the realistic conditions that affect the perfection of the national student loan policy.
【學(xué)位授予單位】：華東師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2006
【分類號】：G475

【引證文獻】

相關(guān)期刊論文 前1條

1 張紹焱;;淺析我國助學(xué)貸款存在的問題及出路[J];消費經(jīng)濟;2008年03期

相關(guān)碩士學(xué)位論文 前7條

1 郭紅霞;國家助學(xué)貸款校級管理研究[D];西南大學(xué);2007年

2 鐘以彬;高校助學(xué)貸款債權(quán)人主體多元化構(gòu)想[D];西南大學(xué);2008年

3 金鳳;新制度經(jīng)濟學(xué)視角下的國家助學(xué)貸款制度變遷研究[D];東北師范大學(xué);2008年

4 季晶;基于信貸風(fēng)險：國家助學(xué)貸款管理機制研究[D];蘇州大學(xué);2007年

5 李正平;國家助學(xué)貸款實施現(xiàn)狀與對策建議[D];上海師范大學(xué);2010年

6 江微;國家助學(xué)貸款中貧困大學(xué)生誠信問題研究[D];東北林業(yè)大學(xué);2010年

7 鄭康;大學(xué)生資助政策實施的現(xiàn)狀調(diào)查研究[D];福建師范大學(xué);2012年

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本文編號：2494359