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W市高校助學貸款運行中的問題與對策研究.doc

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  • 更新時間:2014-01-18
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摘要:自1999年夏經國務院批準,依據中國人民銀行、教育部、財政部聯合制定的《關于國家助學貸款的管理規定(試行)》而出臺的《中國工商銀行國家助學貸款試行辦法》實施以來,國家助學貸款政策已經實行十幾年了。隨著市場經濟的進一步發展和高等教育體制改革的逐步深人,國家助學貸款日漸成為資助經濟困難學生的重要方式。據全國學生資助管理中心統計,全國數十萬在校貧困生通過助學貸款順利完成了學業。然而,由于制度本身的缺陷,這項利國利民的政策在實施過程中卻暴露出不少問題。

   為了進一步推進國家助學貸款工作,興利除弊,使更多大學生從中受益,也使這項惠民利民的政策更完善,我們應該積極采取各種措施消除弊端。

   本文以無錫市為例,通過調查問卷、查閱文獻資料等方式調查了解無錫市高校大學生對國家助學貸款的認識,并深入分析了助學貸款運行中存在的問題,在此基礎上提出進一步完善國家助學貸款的一些建議措施。

關鍵詞  助學貸款;無錫市;誠信意識

 

Abstract:Since the 1999 summer by the State Council approved the implementation of the pilot scheme "of the national student loan according to the People's Bank of China, the Ministry of Education, the Ministry of Finance jointly developed the" Regulations (Trial) "and the introduction of the Industrial and Commercial Bank of China, the National Student Loannational student loan policy has been implemented for more than a decade. With the further development of the market economy and the higher education system step-by-step depth, the national student loan is becoming an important way for students from poor funding. According to the National Student Financial Assistance Management Centre of Statistics, the country hundreds of thousands of poor students in school through student loans successful completion of their studies. However, due to the defects of the system itself, this benefits the country's policy in the implementation process has exposed many problems.

   In order to further promote the national student loan, better bring more students to benefit from this Huimin Limin policy, we should actively take measures to eliminate the drawbacks.

   In this paper, Wuxi City, for example, through questionnaires, access to literature, such as survey Wuxi City college students in the national student loan-depth analysis of the problems in the operation of the student loan, on this basis, further improve some of the recommendations of the national Student Loan measures.

Keywords   Student loans   Wuxi City   integrity awareness

 

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