學(xué)生貸款還款和回收:國(guó)際比較【外文翻譯】

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1、外文題目:Studentloansrepaymentandrecover:internationalcomparisons出處:HigherEducation作者:AdrianZiderman,HuaShen原文:Studentloansrepaymentandrecovery:internationalcomparisonsGovernment-sponsoredstudentloansschemesareinplaceinsome70countriesandregionsroundtheworld.Studentloansscheme

2、s,usuallyconcernedwithtertiaryeducation,areofparticularinteresttogovernmentsbecausetheseschemesareabletocontributetothesolutionofarangeofpressingpolicyproblemsthatgovernmentsface.Studentloansareabletorelievepressuresonnationalbudgetsbyfacilitatinggreatercostsharingthought

3、heraisingoftuitionandotheruniversityfees.Theybothenablestudentstoavoidtheburdenoftheup-frontpaymentofincreasedtuitionfees,aswellasenablingthemtodelayloanrepaymentuntiltheyareinreceiptofthehighersalariesthatgenerallyaccruetouniversitygraduates.Liberatedresourcescanbeusedin

4、areasofgreaterpriorityforsociety,bothoutsideandwithintheeducationsectorandnotablybasiceducation.Greatercostrecoverycanprovideadditionalfundsfortheexpansionoftheuniversitysystem,toaccommodateincreasesinthesocialdemandfortertiaryeducation.Targetedatthedisadvantaged,subsidiz

5、edloansschemesmayleadtogreateraccesstouniversityeducationforthepoorandminoritygroups,thuscontributingtosocialequity.Andloansofferedatfavorableconditionsforstudyinparticular?elds,canleadtoalooseningofskilledmanpowerbottlenecksthatinhibitsocial,economicandindustrialdevelopm

6、ent.Considerabledifferencesareevidentinloansschemesacrosscountries.Schemesdiffernotonlyintheunderlyingobjectivespursued,butalsoinsuchparametersasorganizationalstructure,sourcesofinitialfunding,studentcoverage,loansallocationproceduresandcollectionmethods.Howeverthereisone

7、elementthatiscommontoalmostallgovernment-sponsoredloansschemes:theyarehighlysubsidizedbygovernments.Thismeansthat,unlikecommercialloans,asizeableproportionofthetotalloansoutlaybytheloansbody,beitgovernmentdepartment,loansschemeauthorityorcommercialbank,willnotbereceivedba

8、ckinrepayment.Thisgapbetweentotalloandisbursementsandoverallloansrecoveryisaccountedforbytwoelem

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