大学生生源地贷款制度的问题与优化

Problems and Optimization of Student-origin-based Loans for University Students

随着高等教育的普及,政府积极实施大学生助学贷款,为大批家庭经济困难的学子能够踏入校园求学提供了机会。但是,日益完善的助学贷款在实施时不可避免地出现了一些问题。本文以生源地助学贷款的现状为出发点,针对政府财政负担过重、贷款与需求不匹配、违约率较高等问题,借鉴美国经验提出了优化策略,并进一步进行了新的管理模式的探究。

With the popularization of higher education, the government actively implements student loans which provide opportunities for students in poor families so that they can step into the colleges. However, during the implementation of the increasingly perfect student loans, some problems emerged inevitably. Based on the present situation of student-origin-based loans, in view of such problems as excessively heavy government financial burden,imbalance between loans and demands, and high default rates,this paper draws lessons from American experience, puts forward optimization strategies, and further explores new forms of the management in student loans.