Analysis On The Operations Of The National Student Loan Policy In China

In the process of economic and social development, the education plays a foundational role in the overall situation status and the functions. Accelerating the development of education, especially the higher education is a fundamental way for turning the country's huge population pressure into human resources advantagements.And meanwhile, the fair starting point is an important component of social justice and it's also the beginning of the development of education. Establishment of a national education system and educational funding system is an important means to promote the education equality. The National Student Loan policy ensures the smooth implementation of the college enrollment and meets the aspirations of the broad masses of people to receive higher education. The policy has played an important role in promoting a sustained and healthy development of China's higher education. The National Student Loan makes the education fair and equality and achieves the goal of education. It also maintains an overall stability and even social stability and plays an indispensable role in the course of accelerating the pace of building a harmonious social society. However, we must face the fact that the very humanistic concern hasn't been operating well since its implementation. We can even describe it to be "staggering". There are many reasons for this dilemma including the existing system defects, policy setting defects, and even aided by the level of credibility of the students. But we can not deny or cancel the policy. There is still no ways that can replace this policy and institutional arrangements as far as the experience in other countries and the current situation in China are concerned. Moreover, the new problems that occurred in the development of reformation can only been solved using the method of reform and development. Thus, we should continue to explore policies to improve the way of the student loan policy. We will try to do something in this regard in this paper, with a view to improving the country's Student Loan Policy.The method:According to the actual situation and problems that I encountered in my actual work and try to combine it with my study. I try to make the integration of learning and research professionals to standardize and Empirical research, macro-and micro-study research, the combination of theoretical research and countermeasures. My understanding of student loans in the development of policies based on the analysis of the causes of this predicament in the system development. There's also a study on the advanced methods from abroad of the national student loans. The National Student Loan is to study the different interest groups and interests. Analysis of each angle of the obligations of each stakeholder should play the main role. As for the micro perspective, specific elements of the existing student loans policy should be amended; as for the macro point of view, we should establish and promote a good development environment. Based on the analysis with a view of resolving the plight of National Student Loan policy, ideas and solutions should be adapted to the new situation of development, achieving a long-term, healthy and harmonious development.The main content:The full text is divided into four parts, its structure and main contents are as follows:Part one: The outline of the national student loan. Including the content, features, and the theoretical foundation for the development of such significance.Part two: The current situation and the development of the National Student Loan Policy in China. Including the nature and student loans, the issuance and repayment of student loans.Part three: The analysis of the develop difficulty in the Student Loan Policy. Including the National Student Loan gap between supply and demand still exists; Bank's active participation is not high; the government's "Absent" and "offside" coexist; College management omissions; social credit system, the inadequate supply of several aspects.Part four: the countermeasures of the development and perfection of the National Student Loan. And the countermeasures from the perspective of the main subjects of interest, the involving elements and the environment point of view. The paper deduced the ideal state of the four parts. The government's main responsibility is to coordinate the banks ,universities and students, providing support such as discount policies, strengthening the macro-control and supervision of student loans; Banks should respond positively to the call to raise the level of risk prevention, and strengthen loan recovery; universities should complete the work and advisory services of student loans, credit education for students; Students must stress integrity fulfill repayment obligations, and support, to the extent possible, "compensatory subsidy" policy, to the motherland needs them the most, and take concrete actions to return state subsidies.