英国男性出门前打扮时间比女性更长

调查发现．男性出门前打扮的时间比女性更长。调查发现．男性平均每天花81分钟的时间来打理个人仪容．包括清洁、擦爽肤水和润肤露、刮胡须、弄发型和选择要穿的衣服。     

英国将开始大学学费调查

据英国BBC国际新闻网2009年11月6日报道,关于大学生交费的一项调查说明将在下星期一公布。政府将提交众议院一份书面说明,这项说明将列举本次调查的范围,并任命这次调查的负     

英国70余万大学毕业生无力偿还贷款

英格兰大学生平均每年的学费为3100英镑左右,经济困难的学生可以申请政府贷款,毕业工作收入年薪超过1．5万英镑后才需偿还。     

高校贷款偿还能力的测算方法初探

结合近年高校贷款实际，利用还款资金来源的比例及贷款的货币时间价值，对高校贷款偿还能力（包括还款数额和偿还期）进行了测算，为高校贷款评估论证提出了一种科学的测算方法。     

英国:罗素集团呼吁改革学生贷款偿还政策

据英国BBC国际新闻网2010年5月13日和《独立报》5月14日报道,英国名校联盟罗素集团(Russell Group)的一份报告建议,为了缓解大学财政危机,应提高大学毕业生在校期间的学生贷款利息。     

学生贷款中拖欠偿还问题的比较分析

学生贷款中拖欠偿还问题的比较分析华东师范大学赵中建在我国，随着高等教育改革的不断深入，高等教育为非义务教育及缴费上大学的观念已日益为人们所接受。与此同时，我国新的学生财政资助制度正在形成，而作为新制度之组成部分的学生贷学金（英文称作ＳｔｕｄｅｎｔＬｏ...     

基于偿债基金的助学贷款偿还模式

我国助学贷款偿还模式一直沿用开办初期的定期等额本息偿还法和定期等额本金偿还法。这两种模式的还款负担率都是前高后低,还贷初期部分还款人的还贷压力过大,还款额固定,缺乏灵活性。本文首提助学贷款偿债基金偿还模式,并在分析其优缺点的基础上,讨论了基于偿债基金的定期等额本金偿还模式、定期等额本息偿还模式和定期等比递增偿还模式。基于偿债基金的定期等额本金偿还模式和定期等额本息偿还模式有较大的灵活性。银行可以通过提高偿债基金的利率和争取国家减免利息税政策来吸引还款人存款和提前还贷,增加了银行的调控手段,有利于降低违约率。这两种模式只需为每位还款人建立一个偿债基金,其他还款政策不变,因此可与现行政策无缝衔接,具有很强的可操作性。理论分析和实例还说明,基于偿债基金的定期等比递增偿还模式所具有的前述优点更加明显,而且还可以通过选择还款额按期递增的比率来调整各期的还款负担率,使得各期还款负担相对均衡,或者达到“还贷初期略低,后期略高”的理想状态。对个人收入不够透明的发展中国家,该方法可操作性强,违约率低,又具有较高的灵活性,可以达到或接近按收入比例还款法的效果。     

英国公布大学学费涨价方案

2008年4月,英国高等教育官员比尔·拉梅尔(Bill Rammell)表示从2009年开始英格兰大学学费将上调2.6%,每年最多可达到3225英磅。在学费上调的同时,针对英格兰学生推出的助学贷款、奖学金和助学金额度也将同步增加2.6%。按照英国政府公布的资料,学费涨价适用于2006年9月以后入学的大学生,2009-10学年度的学费上限将     

美国:教育贷款偿还新政出台,5%的营利性大学将受新法规制约

正据美国教育新闻网2012年6月30日报道,近年来,有少数大学出于利益驱使,盲目招生,向那些压根无法偿还贷款的学生提供教育贷款。政府新的贷款偿还条例旨在保护纳税人权利免受这些营利性大学的侵害。     

高校学费--贷款资助政策体系的问题与改进研究

将高等教育的学费政策与国家助学贷款资助政策作为一个统一的体系,分析了政策目标、行为主体协调性、政策适宜性等方面的问题,并从政策目标、政府决策、学校等方面对优化学费———贷款资助体系提出了改进的建议。     

National direct student loan defaulters: The ability to repay

The purpose of this study was to determine if there is any difference between the incomes of student borrowers who repay National Direct Student loans and those who do not. The incomes of 681 NDSL borrowers (564 repayers and 117 defaulters) were obtained anonymously from state income tax records. The results showed no difference in the disposable income of repayers and defaulters. A disproportion in the representation of repayers and defaulters in the income tax records, indicating a significantly greater out-migration from the state of defaulters than repayers, clouds the validity of generalization of this study. These findings indicate that student loan default is motivated by factors other than lack of financial resources and are consistent with earlier findings.     

国家助学贷款中大学生诚信教育探析

国家助学贷款是高校家庭经济困难学生资助政策体系主要内容,不仅直接关系家庭经济困难学生及其家庭的切身利益,而且直接关系国家人才培育和社会稳定的大局,以及教育公平和社会正义的实现。然而,大学生在国家助学贷款中的失信行为却严重地影响和困扰着国家助学贷款的正常开展。本文主要探讨了国家助学贷款中大学生诚信教育的相关因素,结合其中存在的各种问题,进行深入的探析,提出加强大学生诚信教育的相关建议。     

Income contingent student loans for Thailand: Alternatives compared

There is significant irresolution in many countries concerning the design of student loan schemes. In no country recently has there been more uncertainty as to the form that loans should take than Thailand. The Student Loans Fund (SLF), a conventional approach to financing, was introduced in 1996, discontinued at the end of 2005, and re-introduced in 2007. In its place an income contingent loan (ICL) was implemented for one year only, 2006. As part of this debate we contribute to an understanding of the repayment burdens associated with the SLF in Chapman, Lounkaew, Polsiri, Sarachitti and Sitthipongpanich (in this issue).     

Income-contingent student loans: Context,potential and limits

Government reliance on student borrowing in financing postsecondary education varies greatly among countries. Nevertheless, some of the problems encountered, such as competing demands on public funds that undercut grant support or an excessive burden of debt on students, make consideration of the potential and limits inherent in the use of student loans a matter of common concern. The present article examines the role of undergraduate student loans within the context of an overall program for financial assistance. The emphasis is on placing realistic limits on individual debt burden while broadening the use of loans, consistent with encouraging access to postsecondary education and providing opportunity for choice of institution. To reduce risk and make borrowing in moderate amounts acceptable, loan programs are developed that combine income-paced repayment with provision, through ex post facto grants, for earlier discharge of repayment obligations than in alternative proposals. A model is developed for simulating borrowing and cumulative debt limits given the parameter values relevant to a country's situation. Results from using alternative parameter values are compared to authorized loan limits and to average amounts borrowed and cost of attendance for low-cost and higher-cost educational options, using U.S. data by way of illustration.     

Repayment burdens of student loans for Vietnamese higher education

Expansion of high education in Vietnam will be undermined without an effective student, loans policy to assist with tuition and living costs. We show the significance of this issue is by, constructing a hypothetical loans system and calculating repayment burdens (RBs) (the proportion of, a graduate's income required to repay the debt) for male and female in four different parts of Vietnam, and with respect to two levels of loans. Importantly, the exercises examine RBs across the whole, distribution of income using unconditional quantile techniques. We find that RBs involving loans for, tuition only are likely to lead to significant RBs for poor graduates, with much higher loans being, associated with critical financial difficulties for perhaps the majority of debtors. This will result in high, default rates and consumption difficulties for borrowers, implying strongly that a student loan system, with such high RBs is unlikely to be successful in Vietnam.     

The role of information in the take-up of student loans

We study student loan behavior in the Netherlands where (i) higher education students know little about the conditions of the government's financial aid program and (ii) take-up rates are low. In a field experiment we manipulated the amount of information students have about these conditions. The treatment has no impact on loan take-up, which is not due to students already having decided to take a loan or students not absorbing the information. We conclude that a lack of knowledge about specific policy parameters does not necessarily imply a binding information constraint.     

Modeling income dynamics for public policy design: An application to income contingent student loans

This paper studies the importance of dynamic earnings modeling for the design of income contingent student loans (ICLs). ICLs have been shown to be theoretically optimal in terms of efficiency in the presence of risk aversion, adverse selection and moral hazard, and have attractive equity properties. Recognition of their benefits has led to their adoption for tertiary education tuition fees in countries including Australia, New Zealand, and the UK. Since the design of ICLs relies on the prediction of the underlying costs, we explore the extent to which the complexity of earnings modeling affects the estimation of loan subsidies. The use of Australian data allows us to compare our simulated debt repayments to actual repayments under the Australian Higher Education Contribution Scheme (HECS). Our findings reveal that the complexity of earnings modeling has considerable implications for the calculation of loan subsidies.     

中美国家助学贷款制度比较研究

始于1999年的中国国家助学贷款,目前正面临着前所未有的考验,中国国家助学贷款将何去何从?这是摆在我国政府面前的一项艰巨任务。而美国的国家助学贷款经过长期的发展日臻成熟,取得了政府、银行和学生的“三赢”。通过中美国家助学贷款制度的相互比较,吸取美国在此方面比较成熟的经验,结合中国的实际,制定出“三赢”的中国国家助学贷款制度     

生源地信用助学贷款政策给国家助学贷款带来的可能影响

2007年5月中央政府出台新的高校学生资助政策,把生源地助学贷款纳入国家助学贷款体系试点推广。校园地和生源地助学贷款的互相替代政策会改变贷后管理主体,给校园地和生源地助学贷款市场带来大的波动,进而影响整个国家助学贷款体系的稳定。应由当地信用社负责生源地信用助学贷款的贷后管理,高校参与协助监督;谨慎变动两种助学贷款条款,促进助学贷款市场整体稳健发展。