基于生活水平货币度量的助学贷款被助者的经济效益研究

Study of Economic Benefit of Student Loan for Needy Students Based on the Living Level Measurement

随着国民经济的增长以及教育成本的提高,大学学费也相应逐年提高.但是我国还存在相当数量的贫困生.助学贷款是解决贫困生完成学业的重要途径.论文站在助学贷款被助者的立场上,将被助者获得的经济效益进行了具体的定量化分析.首先分别讨论了两期不考虑银行利息率和考虑银行利息率情况下,基于CES型效用函数的助学贷款被助者经济效益的计算模型,然后分析了如何计算多期银行利息率情况下贷款被助者的经济效益.最后针对被助群体进行实证分析、计算并得出结论.

With the growth of the national economy and the enhancement of the education cost, the college tuition is increased year after year. But there are many needy students in our country. Loan for student is an important way for needy students to finish their studies. It is on the standpoint of the needy students to give the economic-benefit quantification-analysis of those needy students. Firstly, two kinds of two-period economic benefit computation models based on CES utility function are analyzed individually, one is not considering of interest rate, the other is considering of interest rate. Then, n-period economic benefit computation model, considering of interest rate, is analyzed. Finally, a demonstration analysis is given on the standpoint of the needy students, and helpful conclusions are given.