| 中美高校贷款问题之比较 |
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| 引用本文： | 钟云华,余素梅.中美高校贷款问题之比较[J].煤炭高等教育,2012,30(2):52-55. |
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| 作者姓名： | 钟云华 余素梅 |
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| 作者单位： | 1. 长沙学院法学与公共管理系,湖南长沙,410003
2. 长沙雨花农村合作银行黎托支行,湖南长沙,410017 |
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| 基金项目： | 基金项目:教育部人文社会科学研究青年基金项目“助学贷款的社会流动效应研究”，湖南省教育科学十二五规划项目“社会资本对大学生求职的影响及公共教育政策调整研究”，长沙学院校人才引进基金课题“基于大学生求职双重机制的公共政策调整研究” |
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| 摘 要： | 中美两国高校贷款有不同的历史脉络,贷款原因、贷款方式与贷款期限等方面存在巨大的差异。在当前我国应该借鉴美国高校贷款的成功经验,从拓宽融资渠道、寻求多元资金、贷前实行合理规划、防范贷款风险、贷中完善监管机制、提高资金使用效率与贷后制订和实施专项＂还债＂战略等路径解决高校贷款问题,从而促进我国高等教育的发展。
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| 关 键 词： | 中美高校 贷款问题 比较研究 |
Comparison of College Loans between China and American |
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| ZHONG Yun-hua,YU Su-mei.Comparison of College Loans between China and American[J].Meitan Higher Education,2012,30(2):52-55. |
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| Authors: | ZHONG Yun-hua YU Su-mei |
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| Institution: | 1.Changsha Institute of Law and Public Administration,Hunan Changsha 410003,China;2.Branch of Lituo,Changsha Yuhua Rural Cooperative Bank,Changsha 410017,China) |
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| Abstract: | China and American college loans have different historical context,there are huge differences in the reasons,ways and terms for the loans.In the current,China should learn from the successful experience of American college loan,solve the problem of college loans and promote the development of higher education from the multiple paths of the widening financing channels,seek the multi-funds,implement the rational planning before the loan,prevent the risk of loans,improve the regulatory mechanism of the credit,improve the capital availability efficiency,develop and implement a special "debt" strategies after the loan. |
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| Keywords: | universities of China and American loan problems comparative study |
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