摘要
国家助学贷款制度是国家主要为解决高等学校中经济确实困难的来自农村的全日制本科生、专科生和研究生,由银行开办并由国家财政贴息的一系列助学贷款制度安排的集合。文章从新制度经济学的角度分析国家助学贷款制度的内涵,探讨国家助学贷款制度设计的缺失,指出从四方协调、制度创新和法律法规三方面建立健全国家助学贷款制度优化体系。
State educational loans refer to consumer loans granted by the lender to borrowers to finance the tuition and miscellaneous fees of the borrowers or the persons under their legal guardianship in studying at domestic secondary schools or ordinary higher learning institutes or for master＇s or doctor＇s degree, or studying at universities or for master＇s or doctor＇s degree outside the territory with approval.From the new institutional economics, the connotation of the state educational loan system is analyzed, and its flaws are studied.It is pointed out that we should establish and improve the state educational loan system from the four-sides coordination, system innovation, laws and regulations in four areas .
出处
《改革与战略》
北大核心
2010年第7期167-169,共3页
Reformation & Strategy
关键词
新制度经济学
国家助学贷款制度
优化体系
new institutional economics
national educational loan system
optimization system
