The Research On The Pattern Innovation And Operation Mechanism Of State-subsidized Student Loan

government and operated by Banks, education administrative departments and university that national finance gives rates subsidies, and fiscal and universities offer certain risk compensation to Banks to help college students of family economic difficulties for studying at the college. State-subsidized student loan is policies and measures that the central and local government supports powerfully for helping college students of family economic difficulties. But now, State-subsidized student loan is still in mode exploration stage and The contradiction between supply and demand of GSSL is still very sharp.so, It is an important problem solved urgently in the current Chinese higher education that How to improve national student loan policy and Establishing good student loan operation mechanism to Benefit more impoverished undergraduates.Firstly,This paper points out the background ,the reason,theoretical significance and practical significance of the national student loan mode innovation study.in this part,the author summarizes the related research literature at home and abroad expatiates of at home and abroad, and put forward the research approach, the main research method and main content framework. Secondly, the national student loan in china only implemented a decade, but the foreign student loans have nearly 100 years of history,so, on the basis of introduced the domestic and foreign loans development practice, characteristics and operation mode,this paper Compare the Japan, America and Australia three national student loans policy. The analysis of this paper not only can lay theoretical foundation, but also to offer reference for experience. Thirdly, this paper analyses the existing problems in the national student loan using quantitative analysis method. This paper analyzes the game process between students and the loan behavior, and gives the general ideas to solve these problems. Fourth, how to establish good national student loan operation mechanism is the main body and core in this paper.in this part, Paper first defines the nature of China's national student loan, puts forward the innovation in the current national student loan mode, and the basic ideas of national student loan object from management structure and the determination, borrowed from several aspects such as design by devised a new type of national student loan operation mechanism.Fifth, This paper further explained SLSS new model and operation mechanism,and and points out that the model has the multi-agent joint participation, such as "risk sharing, multi-win-win situation, scale operation, standard operation", the examples from also prove the new national student loan proposed model has a good application effect, and has the very good application value.Finaly, this paper summarized research innovation, and points out the defects of the research work and future research direction.