从金融崩溃理论来看教育贷款面临的改革  

On the urgent reform of education loan in China according to the Financial Collapse Theory

作　　者：朱富强[1] 

机构地区：[1]上海财经大学经济学院,上海200083

出　　处：《湖南科技大学学报（社会科学版）》2000年第1期35-38,共4页Journal of Hunan University of Science and Technology(Social Science Edition)

摘　　要：无论从目前我国教育需求的现状、教育信贷的需求对象、借款者的还贷能力、自动可执行协议的声誉机制理论、中国的社会文化背景以及银行的贷款心理 ,还是从新凯恩斯主义的金融市场崩溃理论来看 ,我国目前教育信贷改革势在必行。目前教育信贷较为繁琐的手续和贷款抵押制度不取消 ,教育信贷市场的规模就不会壮大 ,也就难以真正刺激教育需求 ,也必然难以对目前的扩大内需政策起到积极作用 ,目前的虚假的“过剩”This paper expounds the situation of education loan, demanders and their ability to return, self-enforcing agreement theory, Chinese culture background, and loaders' psychology. It is high time that the reform of educaton loan were carried out.Combined with Allocation of Credit and Financial Collapse Theory, it is concluded that the education loan market can't make a great development until the overelaborate procedure and unnecessary mortgage conditions are abolished. Otherwise, it is difficult to stimulate the demand of education effectively and the false surplus will continue.

关 键 词：教育信贷 贷款抵押 改革 

分 类 号：F830.589[经济管理—金融学]