A Research On The Situation And Countermeasure Of Implementation Of State Educational Loan

Due to the financial constriction of global higher education currently, it is inevitable to carry out students' loan, mainly relying on state educational loan. The state educational loan refers to the great measure taken by the Party and State Council, making use of financial ways to perfect the state loan policy system and to enlarge the financial support to the needy students in the general universities and colleges. However, there are three problems in the process of implementing the very advantageous policy for needy students as follows, (1) the conflicts between supply and demand, the imbalance of development; (2) low rate of reimbursement and the great difficulty of the task; (3) the poor go-aheadism of bank and the bad management of universities. The essay adopts the methods combining the criterion and the demonstration, introduces the principle basis of state educational loan, and analyzes the existing problems, influences and reasons while carrying out the state educational loan. And in turn, this essay provides the principle of "share the risks together", during the process of loan, government, bank, school and students should take the cost and risks in reason, and then deal with the relationships within the four stakeholders and perfect the against-risk mechanism as a result. Moreover, according to the overseas experience, the paper gives some advice on perfecting state educational loan system, promoting the educational fairness, and impelling social harmonious development.