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构建有效的国家助学贷款风险防范和化解机制——解套助学贷款回收难的思考 被引量:11

Constructing an Effective System Against the Risks in the National Student Loan
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摘要 国家助学贷款是国家资助经济困难学生完成学业的重要举措 ,但由于现行体制的矛盾、相关政策的不完善、诚信机制缺乏及其它软、硬环境的制约 ,出现了高达 2 0 %的违约率的回收难题。本文借鉴发达国家和地区的成功经验 ,结合我国实践 。
作者 陈国治 邹青
出处 《高等工程教育研究》 CSSCI 北大核心 2005年第2期66-68,共3页 Research in Higher Education of Engineering
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  • 1US Department of the Treasury and US Department of Education.A Study of the Feasibility of the IRS Collecting Repayments of Federal Direct Student Loans[R].June 1995.
  • 2US General Accounting Office.Details on Income Contingent Repayment in FDLP[A]Appendix IV of Alternative Market MechanisIIls for the stIldent Loan Programs[R].Washington,DC:US General Accounting Office,200 1:82-92.
  • 3US General Accounting Office Direct Student Loans:Analyses of Borrowers’Use of the Income Contingent Repayment Option[R].Washington,DC:US General Accounting Office,1997.
  • 4Woodhall.Maureen,ed.Paying for Learning:The Debate on Student Fees.Grants and Loans in International Perspective[J].Special International Issue of The Welsh Journal of Education,2002,11(1).
  • 5Woodhall,Maureen.Changing Sources and Patterns of Finance for Higher Education:A Review of International Trends[J].Higher Education in Europe,1992,17(1):14l一149.
  • 6Woodhall,Maureen.Designing a Student Loan Programme for a Developing Country:The Relevance of International Expefience[J].Economics of Education Review,1998,7.(1):153—161.
  • 7Woodhall,Maureen Financial Support for Students:Grants,Loans,OF Graduate Tax?[M]London:Kogan Page,1989.
  • 8World Bank.Higher Education:Lessons of Experience[R].Washington,DC:The World Bank,1994.
  • 9Ziderman,Adrian and Douglas Albrecht.Financing Universities in Developing Countries[M].Washington,DC:The Falmer Press,1995.
  • 10Ziderman,Adrian.Alternative Objectives of National Student Loan Schemes in Maureen Woodhall[J]ed.Paying for Learnmg:The Debate on Student Fees,Grants and Loans in International Perspective.Special International Issue of The Welsh Journal of Education,2002,11(1):37—47.

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