国家助学贷款存在的问题与对策——广东省部分高校国家助学贷款调查分析

本文在对国家助学贷款问卷调查的基础上,总结了广东省国家助学贷款的现状和大学生对政策效果的评价,分析了国家助学贷款存在的突出问题,提出了完善国家助学贷款对策的针对性措施。

高校学生贷款运行模式的中外比较和政策分析

本文描述了我国高校学生贷款的管理结构和业务流程,并与美国和加拿大学生贷款的运行模式进行了对比,进而探讨了政府和市场在学生贷款计划中的作用和职责,最后指出我国高校学生贷款要解决的主要问题。

The Effect of the Government-Subsidized Student Loan Program on College Students in China

Using an original dataset collected at a Chinese university and adopting a difference-in-differences research design,this study draws causal inferences regarding the effect of the Government-Subsidized Student Loan Program(GSSLP)on financially needy students at Chinese higher education institutions.Specifically,this study finds that the program may have enabled financially needy students to spend 527.80 Chinese yuan more on food and take 26 hours less paid work on average during one academic year.In other words,the GSSLP has been found to have had positive impact on financially needy students'basic needs such as food and work.In order for the program to have greater impact on such students'overall quality of life,policy-makers should make efforts to increase maximum loan amounts.This will enable students from low income families to spend more on educational resources and reduce their finance-related anxiety.

我国学生贷款补贴的政策学习:政策文本分析的视角

补贴政策作为一种政府主导的制度安排,在学生贷款的方案设计中占有重要的地位,也是政策学习的重点。对1999年以来政府发布的关于学生贷款补贴政策文本,就学生贷款补贴的政策背景、文本数量、参与部门、政策目标的演进、政策工具的演化等5个方面进行考察,以勾画出学生贷款补贴政策演进的历程。研究发现,"教训-吸取式"和"社会学习式"在学生贷款补贴政策学习中同时存在;政策学习促进了学生贷款补贴政策与其他政策领域的融合;学生贷款补贴政策体系不断完善,但政策学习还存在理念上的缺失;通过政策学习,学生贷款补贴政策创新是渐进式的,但也发生过政策范式变迁。