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The Research On Credit Problems Of State-subsidized Student Loan In China

Posted on:2016-05-25Degree:MasterType:Thesis
Country:ChinaCandidate:M ZhangFull Text:PDF
GTID:2297330464466516Subject:Educational Economy and Management
Abstract/Summary:PDF Full Text Request
State-subsidized Student Loan is a kind of higher education individual financing means. At present,all the countries in the world generally pursued. under the background of popularization of higher education and universities charge reform, the implementation of State-subsidized Student Loan welcomed by the majority of students and parents support and promote the further development of higher education. But in the actual process, Credit problems affect the sustainable development of State-subsidized Student Loan.State-subsidized student loan is a policy loan, belong to the category of credit. The research beginning of the transaction cost theory, analysis on the subject in the State-subsidized Student Loan system of transaction costs. This paper mainly adopts literature research and the analysis method. Through the study of related literature at home and abroad, described credit status in the evolution of State-subsidized Student Loan policy, And summarized the credit problems in the main performance of the national student loan real action phase, analyzed the transaction costs of each stage of the trading main body. The main reasons of the credit problem of State-subsidized Student Loan is the imperfection of the individual credit system, the factor of the credit behavior of the main loan and the influence of the external environment.This paper uses the game theory, to construct three groups of game model:Banks- the government, Bankscolleges and universities, Banks- students,analysis the root of the State-subsidized student loan credit problem is information asymmetry. Combined with the actual situation of State-subsidized student loan and foreign student loan management experience, imagine two State-subsidized student loan credit mechanis:government leading mode and market economy operation mode. The two modes proposed respectively the responsibility of the government, Banks, universities and students,And proposed the corresponding State-subsidized student loan credit mechanism, reduce the main transaction costs.
Keywords/Search Tags:State-subsidized Student Loan, Credit Problem, Game Theory
PDF Full Text Request
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