摘要
随着世界各国高等教育收费制的纷纷出台 ,学生贷款制已成为学生资助的主要形式。大体上学生贷款的形式主要有抵押贷款和按收入比例偿还的贷款两种 ,贷款管理机构一般是高校或单独成立的自治机构和商业银行。世界各国对高校学生的贷款种类和形式略有不同 ,其实施效果也是迥异。由此引起了理论上与实践上的较大争议 ,特别是在发展中国家尤为明显。理论上争论的焦点集中在个人收益率是否大于社会收益率以及高等教育公平与效率问题。学生贷款在实践上的争议焦点是贷款实施的成本 -效益问题。对各国的学生贷款制进行比较研究 ,了解现时关于学生贷款的争议热点也许会给我国的学生贷款制研究带来一些启示。
According with the implement of charging for higher education worldwidly, loan for college student has became one of the principal financial aiding ways. Generally,there are two main forms for college students: mortgage loan and income contingent loan, therefore the college or commercial banks are general administraters. Each country has its own loan kinds and forms, then the applying outcome is far different too. Based on this, many disputes either in theroy or in practice arised, especially in developing countries. Dispute in theory focused on whether the personal profit ratio is higher than society as well as on justice and efficiency in higher education. Practical disputes in loan system for college students focused on the cost-benefit when loaning . It would bring us some hints for our researching in loan system provided for college student in China to study them in different countries contrastively.
出处
《现代大学教育》
2003年第5期51-54,共4页
Modern University Education
