新经济形势下学生贷款供求矛盾解决方略  

Strategies of releasing the conflict between demand and supply in student loans under the new economic condition

作　　者：沈红[1] 季俊杰[1] 

机构地区：[1]华中科技大学教育科学研究院,湖北武汉430074

出　　处：《高等教育研究》2009年第2期36-41,共6页Journal of Higher Education

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"(1045-0792)的研究成果之一

摘　　要：现行的中国学生贷款运行中的供求矛盾因金融危机的影响而加剧。缓解矛盾的方略是提高贷款供给和降低贷款需求。放开贷款的利率管制、让风险补偿比例上限浮动,可吸引贷方"涨供";提高贷款外其他学生资助方式的力度可使借方"降需"。所需的新增资金应由公共财政投入。本文结合国内的宏观经济政策、全国调查结果以及美国的经验,研究了新经济形势下学生贷款供求矛盾的解决策略。The conflict of demand and supply in student loans in China is even worse under financial crisis. Strategies of releasing the conflict are to enhance supply and decrease demand. It will attract more supplies of lenders to unlock the ceiling limitation of interest rate and make the risk premium flexible, and could reduce the demands of the needy students to increase other finance assistances besides loans for students. The fund increment should be invested by public finance. This article inquires strategies of releasing the conflict between demand and supply in student loans under the new economic condition combined with macroeconomic policy, the national survey and American experience.

关 键 词：学生贷款 供求矛盾 金融危机 

分 类 号：G647[文化科学—高等教育学]