A Study On The Operational Mechanism Of The Government-Subsidized Student Loan Scheme Based On Finance Continuity

The Government-subsidized student loans are not free and they are not for all the students, just for the students who are poor and have the demand. The special effect of the student loans is to increase the real cost-sharing from the students in order to ease the public finance pressure. Currently, this special effect has not exerted effectively. At loan -providing link, as a result of the invalid object-defining mechanism, some students who are not poor got the student loans. It is a kind of waste. It causes the subsidies loss of the government and adds the public finance burden. At loan -recovering link, because of the various reasons, the recovery rate of the Government-subsidized student loans is very low. The loan funds can not recover on time, the providing and the recovery of the loans will not keep the dynamic state of balance. It forms an obstacle for the loan funds providing next time. Along with the larger and larger amount of the poor students, the demand of the student loans will also increase year by year. If the providing and recovery of the Government-subsidized student loans can't keep the dynamic state of balance, the problem of the funds insufficiency will be more and more outstanding. The finance will not be sustained and the Government-subsidized student loans will face the huge finance predicament, it will be bad for the sustaining development. Both for the fair and efficiency, the writer thinks that the government should pay attention to the finance continuity of the Government-subsidized student loan scheme when it concerns with the poor students' benefits. Only carrying out the finance continuity, the student loans in China can be probably threw in constantly and constantly, and then guarantee the basic benefits of the poor students more availably. The finance continuity is the financial foundation of the positive development of the Government-subsidized Student Loan Scheme.The writer used analysis method, questionnaire survey method and chart method etc. during this research, and studied the operational mechanism of the Government-subsidized Student Loan Scheme based on finance continuity, and put forward some related measures and suggestions. It has the important meaning for our government who is placed in the economic transformation period and faces many public finance demanding.The text is divided into six parts:Chapter 1 is the preface, it introduced research background, the research meaning & the present research condition, and pointed out the main contents & the research method.Chapter 2 talked about the theory basis and the reality basis of the student loan implement in China, clarified the rationality and necessity of the student loan implement in China.Chapter 3 reviewed the process of the Government-subsidized student loan scheme's development, talked about the progress the Government-subsidized student loan scheme had got, and pointed out current key problems and analyzed the reasons.Chapter 4 defined the concept of finance continuity about the student loan in China, discussed the connotation and the important meaning of finance continuity, and analyzed the finance continuity of the present student loan scheme in China.Chapter 5 put forward some related measures and suggestions to improve the operational mechanism of the Government-subsidized Student Loan Scheme based on finance continuity: After rationalizing the right and responsibility of each main body, we should grasp the definition of the loan object and the loan recovery, and build related system environment. The main suggestions: verify the loan object in the place where the students are from, practice the contract consociation-signature mechanism, design the reasonable project of repayment, enlarge the punishing strength for breaking contract, build up the specialized debt-recovering organization, strengthen the interaction with the students who borrowed loans, speed the construction of the legalization, build up the fund of risk-guarantee, build up and improve the personal trust enquiry system etc..Chapter 6 summarized the conclusion of this research, pointed out the special features and shortages of the thesis, and indicated the direction for the further research.