A Study On The Behavior Of Related Subjects In National Student Loan

Since the latter half of 20th century, the rapid development of economic society makes rapid progress on the demand of human resources. The requirement of higher education is unprecedented enhanced; higher education all over the world has got an excellent chance of great development; and many countries have entered the stage of popular higher education. Meanwhile, the traditional system of higher education financing and free system of student aid makes the colleges and universities face the heavy pressure of financial crisis. To build a system of education cost sharing has got a broad consensus step by step. National student loan widely becomes the main way to relieve the problems mentioned above. This dissertation investigated the behaviors of different subjects (including government, banks, colleges and universities and students) and their behavior optimization in the process of national student loan, in order to analyze the theoretical problems or practical difficulties appeared in the national student loan and to put forward the basic solving methods.The dissertation discussed the theoretical basis and possible problems in the national student loan on the basis of existing documents. Higher education cost sharing policy is the inevitable developmental trend of international economic society. The market-oriented reform under the leadership of Chinese government contributes to the enactment and execution of this policy, which makes the problem of equal educational rights float onto the surface. Student loan is not only helpful to the promotion of educational equity, but also to the enhancement of human capital investment, which should have got much more active and proper government intervention due to its broad active externality. However, as a part of financial service vocation in the market-oriented economic system of asymmetric information, student loan is confronted with two outstanding problems: the banks' serious credit rationing and the students' loan default. Just like corporations should not shirk their social responsibilities, as a core subject of modern market economy, banks should also undertake their indispensable responsibilities.The dissertation discussed the invective and constraining factors of the behavior subjects. For example, bank and student respectively become the fund's supplier and demander; government plays the role of launching and driving the student loan; and the colleges and universities should coordinate with other behavior subjects and manage the students who want to borrow or have already borrowed money from the bank. All of the behavior subjects affected each other, which determined the efficiency, equality and degrees reflected by the final results of the national student loan.Trough the investigation on China's 10 year student loan practice, we found out that in spite of this progress, there still existed the problems of the paradox between supply and demand and the high default rate. The reasons lay in the different subjects' faultiness caused by the unsmooth function of the national student loan system. Therefore, to criticize or even to punish any one of these subjects seemed to be short of proper and equal.According to the analysis, comparison and reference above, the dissertation put forward corresponding policy advices on the national student loan problems of the subjects' behavior optimization: (1) in order to gain the win-win model in the national student loan, firstly, all of the subjects involved should take charge of their own responsibilities. Especially, government should play the leading role in building up better economic and social environment, minimizing the range of economic fluctuation so as to enhance employment, providing legal safeguard for the sustainable development of the national student loan, building up institution of personal credit and system of faith breaking restraining and punishment mechanism, and establishing the information system of national student loan. (2) it is very important to pull the bank into effective competition step by step, which urged them to promote their management efficiency, innovation ability of financial service and the motion and ability of carrying out CSR actively. (3) we should change the operation management system of colleges and universities, increase students' quality and their employment level, alleviate the structural problem on employment. (4) we should also amend the evaluation system of student quality, paying attention to the level of their honesty and morality besides their fundamental knowledge and skills.