Study On Factors And Countermeasures That Influence The National Student Loan In China's College

From the angle of welfare economics, National Student Loan is a typical Pareto improvement responding to the reformation in tuition of college or university. Since the experiments in 8 cities in 1999, the National Student Loan have experienced from blank to appearance, from a few to more, now it have grown into a certain scales in china. But a lot of issues arise in the development, it is necessary to perfect the mechanism. This paper is a research on the factors and countermeasures which influence National Student Loan. With the combination of normal analysis and empirical analysis, the paper makes an analysis towards the factors which will influence the National Student Loans, and make personal suggestions to solve the issues at present.In the first, the paper introduces the four basic theories to carry the National Student Loan into execution: Public goods theory, the Capital of bear interest, Principal - agent theory, Credit venture management, which will direct our research. The paper demonstrate its'necessary and feasibility of development of National Student Loan in china, the paper also expatiate its'practical significance. Then we make an concrete understanding towards our National Student Loan:①Three presuppositions: our economy is socialistic market economy, higher education is a quasi-public goods and the National Student Loan is a sort of credit capital.②Government, college, bank and student are involved in the National Student Loan, the Principal– agent between the bank and student through debit and credit is the basic and key interrelation among them.③The National Student Loan is a combination of finance, higher education and fiscal, so it has two characters, not only as a public policy but also as a business action.④In order to drop the transaction fee and build the credit society, the National Student Loan adopt credit loan at present according to our situation.⑤The National Student Loan has a set of standard operation procedure and scientific value system. In the follow, we use the institution economics theory to make a normal analysis toward the National Student Loan. We think that formal and non-formal institutions are necessary in order to make the National Student Loan running in the well-balanced track, credit institution especially personal credit institution is a basic institution to make the National Student Loan running well. In the end, the paper draw an conclusion through empirical analysis: The main issues occurring in the running of our National Student Loan, including the supply of loan less than the need for the loan, irrationality and imbalance of supply...