The Study On The Problems And Solutions When Operating Educational Loans In Universities And Colleges

With the deepening of higher education reform, with the extension of higher education scale, with the increasing of impoverished students, various measures have been taken by our country in order to help the impoverished students to accomplish their study and encourage fairness in education. State educational loan is one of the most important ones. State educational loans refer to educational loans granted by the lender to borrowers that are given fiscal interest discounts by the central financial authorities or local financial sector, and are used for the tuition and miscellaneous fees, lodging and living expenses of the borrowers in studying at domestic higher learning institutes for full-time undergraduate, professional or graduate courses. While there is still a long way to go in developing educational loans in China due to the shortness of the time,experience and incomplete measures.So in this paper the writer mainly adopts the method which combines theory and practice to explore some existing problems and causes while operating educational loans, to analyze with the case in Hohai university Changzhou campus, and some advanced experiencesin developed countries, to probe how to complete the plan of educational loan according to our country's general state and current situation in operating educational loans.The paper falls into six parts:Part One: To elaborate the aim, significance, study method and thinking of choosingthe subjectPart Two: To elaborate the conception, significance and affect of educational loans from the back of the policy Part Three: To introduce the situation of educational loans in developed countries andsome good experiences and hints from itPart Four: To analyze the situation of educational loans in our own country anddisplay some existing problems and causes in operating it.Part Five: To study educational loans with the case in Hohai university,ChangzhoucampusPart Six: To put forward some suggestions aiming to the existing problems and thewriter's own thinking...