我国高校助学贷款模式成本和收益比较研究被引量：2

Comparative Study on the Implementation Benefits of China’s College Student Loan Model

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摘要本文在简述我国高校国家助学贷款历史沿革和特点的基础上,重点比较了数种并行的助学贷款模式的实施效益。覆盖瞄准方面,国开行生源地模式中未发现明显的惜贷行为,国开行地方高校模式中民办和高职院校存在一定程度的惜贷现象,中国银行部委高校的覆盖率仍有较大提升空间。三种助学贷款模式均与精准资助的政策目标有一定距离。违约率方面,国开行生源地模式表现最优,校园地模式中,国开行地方高校模式表现好于中国银行部委高校模式。而在管理成本方面,国开行生源地模式成本最高,尤其是在贷款发放量小的地区。资助育人方面,国开行地方高校模式优于国开行生源地模式。最后,基于对不同模式优缺点的分析,本文探讨了高校助学贷款新模式的可能性。 Based on a brief description of the historical development and characteristics of College Student National Student Loans in China,this paper systematically compares the implementation benefits of several parallel Student Loan Models from forth aspects:coverage targeting,default rate,management cost,funding education.In terms of coverage targeting,there was no obvious loan shyness behavior in the Source-Based Model.Some private and higher vocational colleges in the China Development Bank for local universities model have a certain degree of loan shyness.There is still much room for improvement in the coverage of the China Bank Ministry College Model.The three student loan models have a certain distance from the policy goal of precise funding.In terms of default rate,the China Development Bank Source-Based Model outperforms best.Among the campus location models,the China Development Bank Local College Model performs better than the China Bank Ministry College Model.In terms of management cost,the cost of the China Development Bank Source-Based Model has the highest cost.Especially in areas with small loan origination volume.In terms of funding education.Finally,the author syste-matically summarizes the implementation benefits of different College Student National Loans Models from four aspects and in response to the advantages and disadvantages of different models,this paper explores the possibility of new College Student National Student Loans.

作者张东辉田志磊 ZHANG Dong-hui;TIAN Zhi-lei(Business School,Beijing Normal University;China Institute for Educational Finance Research,Peking University)

机构地区北京师范大学经济与工商管理学院北京大学中国教育财政科学研究所

出处《教育经济评论》 CSSCI 2023年第6期75-91,共17页 China Economics of Education Review

关键词生源地模式校园地模式违约率管理成本 source-based model campus-based model default rate management cost.

分类号 G649.2 [文化科学—高等教育学]

作者简介张东辉,北京师范大学经济与工商管理学院,电子邮箱地址:zhangdh@163.com;通讯作者:田志磊,北京大学中国教育财政科学研究所,电子邮箱地址:zhltian@ciefr.pku.edu.cn。