论高校贫困生认定中的信息不对称问题及其解决

On Information Asymmetry and Identification of Needy Students

"伪贫困生"问题长期存在于各高校的贫困生救助过程中,并已引起社会的广泛关注和讨论。从信息经济学的理论来看,伪贫困生的产生是因为助学金申请者与助学管理机构之间存在着信息不对称,使各高校及其助学管理机构都难以准确评估学生的家庭贫困程度。为了缓解信息不对称的影响,助学管理机构可以选择征集可便利核实的学生信息,实施具有甄别功能的助学机制,激励学生如实申报家庭信息,全面推行生源地助学贷款,进而提升对学生家庭贫困程度评估的准确性。

The problem of pseudo-needy students exists in various universities for a long time, and has attracted wide attention and discussion. From the theory of information economics point of view, pseudoneedy students arise because of information asymmetry, between student assistance agencies and grant applicants, so that many universities and student assistance agencies are difficult to accurately assess the student＇ s family poverty. In order to alleviate the impact of asymmetric information, student assistance agencies can collect to facilitate the verification of student information, implementation of the grant-aided system with the sereening function, encouraging students to truthfully declare their information, compre- hensive promotion student-home-based-loans, so as to enhance the accuracy of the family poverty assessment for students.