高等教育助学贷款制度的经济学分析

An Analysis on System of Student Loans in Higher Education

作为一种世界范围内通行的制度,我国助学贷款制度不仅体现了社会公平和道德诉求,也体现了一种经济理性。从高等教育助学贷款制度存在必要性和制度上的合理性,比较了各种高等教育资助制度的优劣,着重分析了助学贷款制度在市场经济条件下的优越性;从各行为主体追求利益最大化的角度出发,对助学贷款制度设计的机制进行了分析。

National system of student loans manifests not only the social equity and morals claim, but aslo the economic reasonableness. In the necessity and possibility of the national loan for studying, all kinds of systems of national loan are compared, and the paper emphasizes to analyze the student loan system superiority under the market economy. To maximize the benefits of behavior corpus, it carries on the analysis of the student loan system design.