The National Student Loan Problems Of Legal Analysis

After system reforms charge for our country higher education, The higher education tuition fee displays the trend rising year by year, Have the data display, In 1990 till 1997, colleges and universities tuition fee increases by above 20%, But same time domestic resident per capita national income increase scope actually insufficient 6%, Prompt the education cost going up brings heavy burden to heavy burden poor family, The government has carrying out the responsibility reforming, duty also having helping a citizen to accomplish higher education, Therefore reforming the contradiction between going to school with poor life for charge for the higher education relieving our country the equality ensuring educational opportunities, realizes the social benefits educating , boosts society's harmonious development , country aiding to mimic loan policy arising at the historic moment. The country aids to mimic a loan being a state-owned commercial bank of reason undertake, state revenue and expenditure interest so deducted , the loan applying to the full-time capital , professional training student being in financial straits in regular institution of higher learning, the student who is that the face covering is the broadest , the favor and student quantity are the most subsidizes policy. That the country aids to learn to get a loan is that the government promotes the means educating the macro-control that rational allocation of resources adopts , belong to the fiduciary loan there being no assurance, with the same commercial loan has very big differences, be to have stronger policy commercial loan, the student has provided the chance continuing carrying out higher education to poor family , has ensured the equality educating , has had significant significance. And but shortcoming because of relevance law and regulation and system, existence is burning contradicting between country policy public good and commercial bank go after benefit, the development that our country country helps to learn to get a loan is not smooth , the experimental unit from loan gives out a stage to gradual popularization stage , manifest a stage from risk appearing personally to new policy stage many's problems have appeared, in the field of legislation , building-up believing system really in society aspect has waited a minute , have led to in the field of responsibility main body right duty feeling at ease, the turn up bank once "cherishes a loan " "stopping a loan ", The student "owes a loan " the unhealthy tendencies "evading a loan ". Therefore, we must adopt the corresponding means being amended the problem appearing and being innovative , ability ensures that the country aids to mimic loan system perfecting a sum unceasingly developing. The analytical country helps the main body of a book to learn the primal problem there existing in loan. That population inspects law and regulation and system , our country country helps to learn loan's is unceasingly perfect , is also is confronted with but a few problems demanding prompt solution. Include mainly, Legislation system does not improve and perfect , self country aids to learn to get a loan since policy is put into effect, the government has appeared personally pertinent regulations and system, are not setting up the formal "country aiding to learn loan law " , these active law and regulation arrangement of ideas and effect are relatively lower , are returning contradiction and conflict back to existence and with other commerce between law , are short of and the country aiding to mimic a loan overseeing laws and statutes specifically , are aiding under not formal legislation and regulatory system situation, to learn loan policy with effective feeling at ease very difficult to; Government departments lacks for loss having be exercising existence in the function, correct the responsibility deficiency that the country helps to mimic a loan bearing it, the assurance system that the creditor's rights to the bank ensures being not worth checking loan, does not improve and perfect; Responsibilities and obligations aiding to learn to bear it in loan in the country emphasizes a commercial bank , feasible bank right realization is short of operatability , the duty design has neither rationality, for instance , the bank suing that duty , speeding up capturing duty and so on;Colleges and universities stipulates indeterminacy in duty in loan , duty pend for ascertaining that; The servant unit aids to mimic hit the target speeding up of loan collecting duty absence feasibility in the country , tells that duty block of wood utensil rationality; Student credit law consciousness is light , social credit system is faulty , personal not perfect information inquires about system , effective legal supervision of absence and constraint are machine-made , the form is austere plus employment also lead to the money nothing ensures waiting a minute.Aid to learn the idea and suggestion getting a loan specifically for the country has helped the put forward mimicking these problem been confronted with by loan , the main body of a book discussing nature to perfect the country. Need to resolve now available problem and difficult position, we ought to get a clear understanding of the nature attribute that the country helps to learn to get a loan , relieve a marketplace manage the main body aids to learn loan system system to owing business the risk coming into being and having anxiety over one's rear losing , harmonizing every relevance main body adopting the effective measure again structure build country. Include mainly , carry out adjustment and construction on laws and statutes, work out a speciality's "the country aids to learn loan law ", the law arrangement of ideas and effect that the lifting country helps to learn to get a loan, are in harmony with contradiction and conflict between the law resolving the country aiding to mimic loan legal system being related to other , build special law regulatory system, feeling at ease ensuring that the country aids to learn loan policy; Must make clear that the government acts on country function in aiding to mimic a loan working , increase responsibilities and obligations that government departments bears , assume up the role that the country helps to learn the loan responsibility main body , build the benefit ensuring a bank to the bank income to compensate for risk-taking mechanism , build effective assurance system , mobilize the enthusiasm that bank participation provides a loan of; Push forward commercial bank job in aiding to learn to get a loan in the country , ask the norm clear and definite to handle the condition getting a loan, thin melt provides a loan of the responsibility breaking a contract; Reinforce colleges and universities feeling at ease to loan job , interpose special aiding learning loan administration, the sincerity reinforcing couple of students believes legal education , reinforce communicating with between the student and the bank; Need to make the servant unit's clear informing duty and responsibility , put employing unit supervision and compensatory button money scheme into practice and; Need to promote fine credit environment building-up , reinforce the punishment really, believing that legal education works , building regulatory system , forming social supervision , building-up breaking faith , reinforce couple of students breaking faith the behavior restraint waits a minute. Have studied in a deepgoing way by the fact that the country aids to mimic a loan being hit by have problem , have made clear that the country aids to mimic the respectively square loan system main body looking for a defect in the field of rights and duties , have rationalized the smooth development having resolved the country aiding to learn to get a loan key, by solving to these problem, the will do respectively square main body is able to fit mutually , is in harmony mutually, ability promotes aiding to mimic smooth getting a loan giving out and reclaiming, promote feeling at ease educating a fund's , bank fund safety , ensure the virtuous circle getting a loan, Boost education aiding development of system financially , promote society's harmony and progress, this also exactly is the main body of a book studying ultimately significance location.