| 香港地区学生贷款:贷款机构的视角 |
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| 引用本文： | 钟宇平,孔繁盛,雷万鹏,占盛丽.香港地区学生贷款:贷款机构的视角[J].高等教育研究,2003(1). |
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| 作者姓名： | 钟宇平 孔繁盛 雷万鹏 占盛丽 |
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| 作者单位： | 香港中文大学教育学院 香港
(钟宇平，孔繁盛，雷万鹏)，香港中文大学教育学院 香港(占盛丽) |
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| 摘 要： | 根据政府对资本市场干预程度的不同 ,香港地区形成了三类教育贷款 ,即政府补贴性贷款、成本回收型教育贷款和盈利性教育贷款。这三类教育贷款在满足不同群体的教育需求上是互补的。香港入息教育款的成本回收率达 71 .4% ,这表明香港的教育贷款已形成了一个良好的资金发放与回收体系 ,1 %的贷款拖欠率亦表明香港已具备了完备的个人信用制度与金融网络体系
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| 关 键 词： | 香港 学生贷款 贷款机构 贷款效率 |
Student loans in Hong Kong: a perspective of loans agency |
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| CHUNG Yue\|ping,HUNG Fan\|sing,LEI Wan\|peng,ZHAN Sheng\|li.Student loans in Hong Kong: a perspective of loans agency[J].Journal of Higher Education,2003(1). |
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| Authors: | CHUNG Yue\|ping HUNG Fan\|sing LEI Wan\|peng ZHAN Sheng\|li |
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| Abstract: | In accord with the degree of interference from the administration to the capital market, there are mainly three sort of student loans in Hong Kong, namely means\|tested student loan, non means\|tested student loan and profitable student loan. These three are compensating with each other in satisfying various demand of education in different groups. The repayment ratio of student loan reaches 71.4%, showing that a comparatively healthy student loans system of granting and repaying has been established. The 1% default ratio of student loan also indicate the maturity of individual credit system and finance network system. |
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| Keywords: | Hong Kong student loans loans agency efficiency of student loans |
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