审视国家助学贷款政策

Analysis on government's study-loan policy

随着高等教育的发展,高校贫困生问题日益突出,高等教育的资金需求越来越大,国家助学贷款政策应运而生。理论上,国家助学贷款政策是政府为了促进教育事业的发展、为了高等教育的公平、为了社会的公正而做出的实践性决策,对个人和组织的行为产生影响;其本质是学生、高校、社会之间的利益协调和平衡。就实践而言,学生、学校、政府、银行四方都不同程度地成为国家助学贷款政策的受益者。国家助学贷款工作的健康发展,既需学生、学校、银行和政府的单方努力也需要多方配合。

With the development of higher education, more and more problems about students with financial drawbacks have arisen and this situation has become out-standing. Higher education need for funds is ever increasing and national study-loan policy is made accordingly. Theoretically, it is a practical policy made for the development of the education cause, the fairness of higher education, and social justice. It influences individual and organizational behaviors with the essence to coordinate and balance the benefits among students, universities and the society. In practice, the four sides-students, universities, governments and banks-benefit from the study-loan policy to different degrees. To keep the study-loan policy developing healthily, each side must make great efforts as well as cooperate with each other.