供求视角下的生源地助学贷款  

On the Student-Origin-Based Loans in Supply and Demand Perspective

作　　者：臧兴兵 沈红[2] 

机构地区：[1]重庆市教科院高教所 [2]华中科技大学教育科学研究院副院长教授,武汉430074

出　　处：《教育发展研究》2011年第9期35-39,共5页Research in Educational Development

基　　金：美国福特基金会2007-2009年资助项目“学生贷款回收机制重构”(1075-0792)的部分成果

摘　　要：在生源地助学贷款中,家庭经济状况反映了学生的贷款需求,而决定贷款供给的主要因素是银行放贷意愿,"供给决定需求"的现象日益凸显。为有效实施生源地助学贷款政策,政府必须减少干预和管制,为市场主体创造一个良好的生态环境,促进多元化发展,提高银行的积极性和创造性。In student-origin-based loans, economic situation of the family reflects students＂ demand for loans. However, the willingness of bank lending is the major determinant of loan supply. Such phenomenon as ＂Supply determines demand＂ is very obvious. For an efficient implementation of the policy of student-origin-based loans, the government should diminish interventions and control, cultivate a good environment for marketization, promote diversified development, and improve the motivation and creativity of banks.

关 键 词：生源地助学贷款 需求 供给 

分 类 号：G647.5[文化科学—高等教育学]