The Research Of State-subsidized Student Loan Policy Under The View Of Differential Pricing

State-subsidized student loan is a kind of loan on credit dominated by thegovernment and operated by Banks, education administrative departments anduniversity that national finance gives rates subsidies, and fiscal and universities offercertain risk compensation to Banks to help college students of family economicdifficulties for studying at the college. State-subsidized student loan is policies andmeasures that the central and local government supports powerfully for helpingcollege students of family economic difficulties. But now, State-subsidized studentloan is still in mode exploration stage and the contradiction between supply anddemand of State-subsidized student loan is still very sharp.This research mainly adopted literature analysis and comparative analysis,summarized in the study of relevant literature both at home and abroad. The theory ofequilibrium price and the theory of differential pricing can effectively relieve thecontradictions of supply and demand of State-subsidized student loan. From theperspective of the equilibrium price theory, the research described the development ofnational student loan policy, and summarized the characteristics of supply anddemand of each stage. At present, the problems of imbalance of supply and demand ofState-subsidized student loan in our country are: gap exists loans, loans imbalance,banks lend phenomenon, which are caused by a single interest rate of State-subsidizedstudent loan. According to the international student loan pricing ways, especially thedifference of the student loan pricing in USA, can give some advices to realize thediversity of State-subsidized student loan in China. Finally, the research aiming at theproblems existing in State-subsidized student loan and the reasons, found out thedifferential pricing is an effective way to improve the efficiency of State-subsidizedstudent loan, refer to the student loan differential pricing ideas, trying to builddifference pricing models for our country’s State-subsidized student loan, according todifferent objects, college level, loan for guarantee etc. Show suggestions fromgovernment, Banks and schools, to provide policy guarantee, in order to promote thenational student loan out of the plight of the imbalance between supply and demand.