The Research Of Financial Assistance For Students Problem Under Asymmetric Information Perspective In Our Cuntry

Education is the foundation of national development, national rejuvenation, I realize the education fair is the important measures to guarantee fair starting point, which promotes social harmony. In recent years, with the government increasing investment in education, steadily push forward reform of education system, education career, great progress has been made to benefit. From pre-school to higher education at all levels, at all stages of the scale, the form has a larger development.In spite of this, the development of the education level compared with the overall economic and social development level, there is a big gap. Common family education costs than on the high side, there are some poor families can’t afford the costs of child education reality. In order to ensure the poor students quit school due to financial difficulties, the financial aid for students policy arises at the historic moment.At present,"award, help, loans, free, work," a combination of mixed funding model has obtained certain achievements, to a certain extent, solve the poor family of the students’ practical problems, but there are also some shortcomings. From the point of practical experience, the current financial aid system is not complete. The system running in the process of the government. the information of Schools, students, Banks and other main body is asymmetry. Between the operation efficiency is low, have been intensified as a result. From the perspective of asymmetric information, the paper analyzes the problems existing in the financial aid work and puts forward some countermeasures for optimizing to increase the efficiency of the financing system which returns to the student financial aid involed with function of educating people and promotes education equity and social harmony. They have important theoretical and realistic significance.First, this pape analyzes the present situation of financing work. In combination with related literature and personal practical experience, this paper expounds the "award, help, loans, free, work," and so on various pattern development present situation and emphatically analyzes the mainly involved in the main body of each financing mode and operation mode.Secondly, this paper analyzes the student financial assistance under the asymmetric information perspective of adverse selection and moral hazard problems existing in the work by the government, schools, Banks, four main involved in the analysis of the principal-agent relationship among the subjects. The information of the advantages and disadvantages, and then through the three typical modes,"financial assistance","scholarship" and "student loan" respectively for the school and students, government and schools, Banks and game, analyzes the behavior of the students, between different subjects is discussed because of adverse selection and moral hazard caused by asymmetric information problem.Furthmore, this paper analyzes the financing work of adverse selection and moral hazard problems that exist in the real reason. The present funding system is not perfect. Especially the establishment of the supervision and restraint mechanism is far behind, so in the current under the condition of poor students qualification of scientific obj ectivity deficiencies, student, provide proof of the government departments at the grass-roots level. Poor schools are providing false information for different reasons. In addition, our country finance work function of moral education is not enough, the good faith consciousness is not enough. Fraud cost is too low that leads to a large number of "poor students" from funding resources,.That caused the new unfair.And then, the paper discussed the adverse selection and moral hazard problems in financing work optimization countermeasures. under the condition of information asymmetry. We should improve the operating optimization from poor students recognition system construction, financing education function, supervision and restraint mechanism four aspects respectively expounded. We strive to find a relatively feasible working method to guide the financial assistance for student work.