按收入比例还款型助学贷款的国际比较及中国的未来选择方案

The International Comparison of Income-contingent Student Loan and China's Future Option

世界主要国家都走上了按收入比例还款型助学贷款的道路,中国当前的按揭型助学贷款运行基本顺利,但存在着额度不足等隐患。世界主要国家的按收入比例还款型助学贷款模式可以分为英美模式、澳大利亚模式和德国模式,结合我国的国情,目前可以考虑选择的方案是:先采取德国模式,将来再慢慢过渡到英美模式,具体操作是仍维持生源地助学贷款这种按揭贷款,但对那些已经发生违约的借款人则允许其按照收入比例还款,待收入恢复到一定水平以后再重新开始按照按揭贷款还款。

Income-contingent student loan has been accepted by the main countries of the world. The mortgage student loan is good in operation in China, but it has some hidden danger such as insufficient amount.There are UK-US model, Australia model, German model about the income-contingent student loan, based on China＇s condition, German model may be a good option for China now, which means hometown student loan should be kept, the defaulters can be permitted to stop their repayment of the mortgage student loan until their incomes rise above the level. In the future the UK-US model is a good option for China.