The Research On The Sustainable Development Of Student-origin-based Loans In China

As a brand new form of student loan in the structure reform, student-origin-basedloans has conformed to China’s national conditions and satisfied those undergraduateswith family financial difficulties. Through the joint endeavor by China DevelopmentBank and the student financial assistance agency, student-origin-based loans has seendramatic breakthroughs, with coverage area gradually enlarging and credit quotarapidly increasing. It’s becoming the mainstream model in China’s student loanmarket. However, there alse comes some challenges from theory to system. So it’snecessary to do some research on its sustainable development.Firstly, This thesis expounds the three theoretical basis, including informationasymmetry theory, quasi-public goods supply theory and sustainable developmenttheory. Then it introduces the development status of student-origin-based loans inChina.In order to provide experience for reference in China, this thesis also proceedsa case analysis on Bangladesh. Finally, aimed at information asymmetry, quasi-publicgoods supply, system operation cost and unreasonable distribution of power andresponsibility,this thesis put forward the project design for sustainable development.They are respectively individual credit reporting system, information feedbackmechanism, post-loan management system, rational regulatory tolerance, new riskcompensation mechanism,more market subject, Internet financial technology andredistribution of power and responsibility in the student financial assistancemanagement center.