我国高等院校助学贷款市场失灵的经济学与法学分析

Analysis of Market Failure of Students Loans in Colleges and Universities from Economics and Law

助学贷款中的信息不对称及助学贷款合同的法律特点,导致助学贷款市场失灵。助学贷款市场失灵的深层原因,在于助学贷款的经济性与社会性的冲突,即助学贷款制度本位的冲突,解决助学贷款市场失灵的对策,应该是在坚持社会利益优先原则下,确立高等院校助学贷款长远的政策目标,制定高等院校助学贷款法或完善高等教育法。而在高校助学贷款法律制度未健全时,应该完善助学贷款借款和还贷机制。

The asymmetric information in student loans and the legal characteristic of student loans contract result in the market failure of student loans. The deep reason of it,in the author＇s opinion,is the conflict of the economy and social nature of student loans, i. e. the conflict of student loans institution itself. The countermeasures to the market failure of student loans should follow the principle of giving priority to social interest, set up the long - term policy goal of student loans of colleges and universities, formulate student loans law of colleges and universities or perfect the higher education law. While the law of student loans is not perfect, the mechanism of student loans and repayment should be improved.