专业型研究生助学贷款配置:美国经验及其对中国的启示

发布时间：2018-02-15 12:09

本文关键词： 助学贷款专业型研究生教育公共财政教育收益差异　出处：《清华大学教育研究》2012年05期 　论文类型：期刊论文

【摘要】：随着对高技能专业人才的需求的增加,当前中国的专业型研究生教育正处于快速发展时期。建立有效的财政资助体系将有助于促进其规模和质量的提升。从发达国家经验看,助学贷款是专业型研究生资助体系的重要构成部分。本文首先从理论上论证了专业型研究生采取成本分担与助学贷款政策的依据,并从成本和收益视角提出了贷款配置的基本原则。其次,研究以美国为例进行实证分析,所得结果与理论观点基本一致,有以下发现:(1)助学贷款在专业型研究生资助中所占比重较大;(2)联邦政府在专业型研究生贷款的发放和补贴中承担了主要角色;私人机构对专业型研究生贷款也相对学术型研究生更高;(3)贷款在配置时兼顾了专业型研究生教育的成本与收益因素。最后,本文结合理论及美国的实证结论,探讨专业型研究生贷款配置原则对中国的启示及其局限性。
[Abstract]:With the increasing demand for highly skilled professionals, China's professional graduate education is in a period of rapid development. Setting up an effective financial support system will help to improve its scale and quality. Student loan is an important part of the professional graduate student support system. Firstly, this paper theoretically demonstrates the basis of the policy of cost sharing and student loan for the professional graduate student. And put forward the basic principles of loan allocation from the perspective of cost and income. Secondly, taking the United States as an example of empirical analysis, the results are basically consistent with the theoretical point of view. The following is found: (1) Student loans account for a large proportion of professional graduate student grants) the federal government plays a major role in the granting and subsidizing of professional graduate student loans; The private sector also has higher loans to professional graduate students than academic graduate students. The allocation of the loans takes into account the cost and benefit factors of professional graduate education. Finally, this paper combines the theory with the empirical conclusions of the United States. This paper discusses the enlightenment and limitation of the principle of professional graduate loan allocation to China.
【作者单位】：香港中文大学教育学院;
【分类号】：G649.1

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