简论高等教育扩张对学费的影响及其与助学贷款偿还政策的关系

Influence of Higher Education Expansion on Tuition Fees and Its Relationship with Student Loan Repayment Policy

高等教育的发展从毛入学率角度看,是个不断扩张的过程。高等教育数量的扩张使得学生受教育的成本不断上升,且伴随当下经济形势导致就业前景不太乐观,这就使得"高等教育泡沫化"的观点甚嚣尘上,而作为支付学杂费配套方式的助学贷款的偿还问题也变得越来越严峻。此背景下贷款的偿还政策设计既不能脱离公民教育的初衷,亦要考虑贷出方的经济收益。

The higher education is constantly expanding in terms of the gross enrollment ratio,which increases students＇ cost of education.In the background of the worsening employment prospects accompanying the present economic downturn,it leads to the clamor against＂higher education bubble.＂Therefore,student loan repayment increasingly turns out to be a serious problem.The loan repayment policy can neither go against the original intent of promoting citizen education nor look over the economic benefits of the loaners.