摘要
国家助学贷款是以资助高校贫困大学生为目的,由财政贴息、财政和高校共同给予银行风险补偿金,在政府、银行、高校和大学生四方当事人之间运作的信用贷款。广东在执行助学贷款政策时,四方当事人之间产生了价值冲突:政府部门不愿承担过多的补贴,银行因为金融风险而惜贷,高校面临着人力不足和承担过高的风险补偿金的问题,学生因各种原因违约。政府有必要通过立法和一系列地方政策调整,使四方当事人形成合力,实现国家助学贷款"资助"和"育人"的双重目标。
National Student Loan is a credit loan that operates among the government, banks, universities and students with the purspose of helping impoverished students. There are four sides involving in it: financial interest subsidies, compensation of finance and universities for risk-taking who may come into conflicts of value in the process of its implemenetation. The government is unwilling to afford more financial subsidies; banks decrease loans for financial risks; uUniversities face to shorthanded manpower and heavy compensation for risk-taking; students tear up contracts for some reasons. The government should promulgate a law and adjust the policy to make a concerted effort of the four sides and achieve the aim to help and foster poor students.
出处
《广东开放大学学报》
2015年第5期14-19,共6页
JOURNAL OF GUANGDONG OPEN UNIVERSITY
基金
中国伦理学会德育专业委员会"十二五"科研规划重点课题"整体构建高职院校校本德育体系研究与实验"(HXDY-0676)研究成果
关键词
广东
助学贷款
价值冲突
Guangdong Province
National Student Loan
value conflicts