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The Market Failure of The Student Loan Scheme in China from The Quasi-Public-Goods View
Author(s): 
Pages: 37-40
Year: Issue:  4
Journal: EDUCATION SCIENCE

Keyword:  准公共产品助学贷款市场失灵教育收益率;
Abstract: 我国从1999年开始推出了真正意义上的国家助学贷款计划.但是该计划却在2003年遇到了前所未有的挫折.究其根源,还是我国助学贷款的制度设计与其目标和属性之间存在着根本性冲突,要真正解决国家助学贷款的两难困境,必须使得助学贷款的制度设计与其公平目标和特定属性之间保持一致,其中最重要的就是引入政府或准政府的担保机.制化解助学贷款的善意拖欠风险;修改贷款发放主体的市场准入规则,适度引入竞争因素;引入保证担保方式,强化借贷者的还贷责任、推动个人信用体系的建立和完善等.
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