论国家助学贷款的经营主体转换与补贴  

Transition of Operator and Subsidy of Government-Subsidized Student Loans

作　　者：季俊杰[1] 沈红[1] 

机构地区：[1]华中科技大学教育科学研究院

出　　处：《高等工程教育研究》2009年第1期99-102,共4页Research in Higher Education of Engineering

基　　金：全国教育科学规划教育部重点课题“国家助学贷款实施效益评价”(DFA050089);美国福特基金资助项目“中国学生贷款回收机制”(1075-0792)的研究成果之一

摘　　要：根据社会主义双元财政理论,助学贷款补贴本应由公共财政主体,即政府或政策性银行提供,然而由于贷款利率偏低,国有商业银行和农村信用社也向助学贷款提供了隐性补贴,从而造成了财政补贴主体的错位,影响了助学贷款发展。因此,助学贷款转由国家开发银行经营是明智之举。今后应逐步减少隐性补贴,加大贴息力度,促使财政职能各归其位,保证助学贷款的顺畅运行。According to Socialistic Dual - finance Theory, Student Loan＇ s subsidies should be given by public finance＇ s agent including govemments or policy banks. However, due to low interest rate of loans, state - owned commercial banks and rural credit cooperatives also provide loan with hidden subsidies named ＂fiscal subsidies of state - owned capital＂ and ＂non - fiscal subsidies＂, which make the fiscal subsidies provider misplaced and block the advance of GSSL. So the decision that GSSL is transferred to policy bank is reasonable. The government should increase public finance subsidies and reduce hidden subsidies so as to make the financial function be appropriately placed and guarantee the smooth operation of student loan scheme.

关 键 词：助学贷款 双元财政 财政补贴 隐性补贴 

分 类 号：G647.5[文化科学—高等教育学] F832.4[文化科学—教育学]