Conflict And Solution Of The Main Interests Of The Student Loan Policy In China

The growing demand for higher education leads to the greater education scale, andthe greater scale of education brings in the intension of higher education funding. Theeducation cost-sharing policies and the charging system of higher education make theproblem that it is difficult for students from poor families to study more and moreprominent. In this context, in order to make sure that the students from poor familiescan continue enjoying their higher education regardless their families’ poverty, in1998People’s Bank of China, Ministry of education and Ministry of Finance joined togetherto issue the Notice on the student loan provisions, which becomes the sign of theforming of national student loan system.As for national student loan policy, many scholars put forward a lot of insights toimprove the student loan policy, which played a positive role in improving the nationalstudent loan policy. Since the implementation of the student loan policy, the policyconstantly improves, category increases, continuous efforts are made to streamlineprocedures, total loans increased year by year. Up to now, the People’s Bank of Chinaissued national student loan funding as much as17.406billion yuan for as many as150million poor students, it has played a significant role to solve the problem of poorstudents’ completing their studies successfully. However, in the implementation process,there still exist the phenomena that lending banks have credit crunch, the loan amount isdifficult to meet the needs of poor students. The reason primarily lies in that studentpolicy as part of the higher education fair policy conflict against the commercial meansof loans. To further improve the national student loan policy and give full play to thestudent function, it is necessary to make a further investigation on conflict between thepolicy goals of student loans and the means of commercial banks, on thecountermeasures to digest the conflicts.In this study, through the analysis of the characteristics of national student loan andits stakeholders, and then after analyzing the development and changes and the status ofimplementation of the national student loan policy, the further discussion was held inorder to explore the conflict performance of the national student loan policy for themain interest body, thus countermeasures of how to digest the main contradiction of thestudent loan policy was pus up. The detailed research idea is displayed as follows:Chapter one of this study explains the research background, research purpose andresearch contents. It absorbs the existing research results and consolidates its research methods on the basis of the conflict in the main interests of the national student loanpolicy literature review.Chapter two analyzes the characteristics and stakeholders of national student loan,which includes the concepts and key elements of the national student loan, thecharacteristics as well as national student loan stakeholders.Chapter three describes the development and changes of the national student loanpolicy and its corresponding status of implementation from four levels, two aspects. Onthe one hand, in terms of the development and changes of the national student loanpolicy, this chapter mainly spreads its wings from the policy generating background ofthe national student loan and the development and changes of national student the loan.On the other hand, in terms of the policy implementation of the national student loan,this chapter discusses the problems that exist in positive role of the national student loanpolicy and in its implementation.Chapter four analyzes the conflict performance of the national student loan policyof the main interest body. It mainly shows the stakeholder theory, the implementationdilemma from the stakeholder perspective, the analysis of the interest game betweenstakeholders, and the overall analysis on the conflict performance of the national studentloan policy of main interest body. While the conflict performance can be understoodfrom three aspects, namely, the conflict between the national student loan policy and theoperating principles of the commercial banks, the conflict between the location ofpolicies on higher colleges and the interest of universities, and the conflict between theprotection on commercial banks and the facilitation about paper work of the studentloan.Chapter five, through the analysis of the current status of the student loans in ourcountry, this chapter comes up with idea in the practical situation of our country that itis necessary to clarify the relationship and responsibility of governments, banks andschools, and consider the commercial and policy improvement and the amendment ofthe student loan program as supplement to digest the main conflict between the policyinterest bodies of the student loan in our country.