学生贷款对中国农村女大学生学习成绩的影响  

The Influence of Student Loans on the Academic Performance of Female College Student from Rural China

作　　者：黄维[1] 胡平平[1] Wei Huang;Pingping Hu(School of Economics&Management, Changsha University of Science and technology, Changsha, Hunan, China, 410076)

机构地区：[1]长沙理工大学经济与管理学院,湖南长沙410076

出　　处：《教育与经济》2016年第6期55-63,共9页Education & Economy

基　　金：国家自然科学基金项目"基于系统动力学的高校生均成本和学费交互增长的因素;机理与政策仿真研究"(项目编号:71373032);湖南省教育经济与财政研究基地2013年度招标课题"学生贷款对我国大学生学业表现的影响"(项目编号:13JCJA1)

摘　　要：基于覆盖全国的4765位农村女大学生追踪调查的微观数据,在控制了学生个人、父母及家庭特征变量后,采用倍差法(DID)和倾向得分匹配法(PSM)相结合的研究方法,对学生贷款的实施效果进行反事实估计。实证研究发现,当前的学生贷款并没有提高农村女大学生的学习成绩,反而增加了她们的偿债压力,刺激了农村女大学生提早进入劳动力市场就业的需求;学生贷款没有提高农村女大学生的学习时间,但增加了她们的打工时间。这些研究发现可以为政府改善学生贷款政策提供可靠的经验证据。Based on the micro data of the tracking survey of 4765 rural female students nationwide and with thecontrol of the individual student, parents and family characteristics variables, we combined the double difference method(DID) and propensity score matching (PSM) research methods to counterfactual estimate the implementation effect ofstudent loans. Empirical studies found that student loans did not improve the academic performance of rural femalestudents, but actually increased their debt pressure, and stimulated the rural female students’employment needs andentered the labor market early. The student loans did not increase the study hours of rural female students, but their workingtime. These findings could provide reliable empirical evidence for the government to improve student loans policy.

关 键 词：学生贷款 农村女大学生 学习成绩 倍差法 倾向得分匹配法 

分 类 号：F08[经济管理—政治经济学] G40-054[文化科学—教育学原理]