国家助学贷款制度的成本分析与体制创新  

The Cost Analysis and the System Innovation of the National Student Loans Policy

作　　者：谭江涛[1] 何伟军[1] 邹文娜[1] 

机构地区：[1]三峡大学经济与管理学院,湖北宜昌443002

出　　处：《三峡大学学报（人文社会科学版）》2007年第2期87-90,共4页Journal of China Three Gorges University(Humanities & Social Sciences)

摘　　要：国家助学贷款制度有效地保证了我国高等教育机会均等和社会公平目标的实现,但政策的实施过程中仍有许多不尽如人意之处,究其原因在于制度安排存在缺陷,而解决出路在于完善制度设计。笔者在比较研究助学贷款制度的交易成本和组织成本情况的基础上,提出通过引入助学贷款中介组织来实现制度的创新。National Student Loans policy guarantees the achievement of the equality of chance in higher education and social equity. However, it still exist some effect and problems because of the deficiencies in system arrangement and the way out is to clear and to perfect the design of the system;on the basis of compare to the transaction cost and the organization cost of the national student loans system, come to the conclusion that it must draw into Intermediary organization to solve the problem of the deficiencies in system arrangement at present.

关 键 词：国家助学贷款 交易成本 组织成本 中介组织 制度创新 

分 类 号：G649[文化科学—高等教育学]