摘要
作为转型国家,吉尔吉斯斯坦助学贷款制度设计的优点主要体现在:贷款货币选择多样;和成绩挂钩的不同层次贷款并存;贷款相关服务延伸到毕业之后;和额度挂钩的分层次担保体系;针对特殊群体推行优惠措施,同时在未覆盖生活费和利率较高方面还存在可改进的空间。对中国助学贷款制度设计的借鉴可能是:成绩与助学贷款的优惠条件挂钩,经办机构提供毕业之后的延伸服务,根据贷款风险的高低要求不同担保,推出针对特殊群体的优惠服务。
Kyrgyzstan, a transition country similar to China in the national conditions, embodies its advantages in student loan＇s system design including the diversity of loan currency, coexistence of hierarchical loan amount linked with academic performance, relative service extended to after-graduation, hierarchical guarantee system according to loan amount, preferential policies aimed at special groups. In the meantime, there are some disadvantages such as not covering the living expenses and high interest rates. References for Chinese student loan＇s system design may be the preferential terms being linked with academic performance, the extended service offered by handling agencies, the distinct guarantee determined by different level of loan risks, and the introduction of preferential service aimed at special groups.
出处
《比较教育研究》
CSSCI
北大核心
2015年第9期67-72,共6页
International and Comparative Education
基金
国家社会科学基金教育学一般课题"民间资金参与学生资助的公共财政扶持政策研究"(课题编号:BIA130076)的阶段性成果
