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篇名 |
高等教育學生貸款方案執行成效中財政與還款負擔之分析
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並列篇名 | An Analysis of Financial and Repayment Burden in the Performance of the Student Loan Programs of Higher Education |
作者 | 劉秀曦 |
中文摘要 | 全球已有超過70個國家推出學生貸款方案做為大學調漲學費的配套措施;然而,貸款方案並非解決學費問題的萬靈丹,甚至可能衍生更多教育財政問題。因為政府若過度補貼反而可能造成公共資源的錯置與浪費,再加上受到全球經濟成長遲緩影響,各國大學畢業生失業率普遍攀升,償債能力也愈來愈差,導致學生貸款的回收情況不佳。基於此,本研究旨在分析學生貸款方案之財政與還款負擔,首先透過文件分析法,整理國際組織、各國官方機構與民間學術團體所公布的報告書,以及國內、外學者研究成果後,歸納各國學生貸款方案之緣起與發展;其次,經由政府參與程度、國家財政負擔與家庭還款負擔三大構面、六項關鍵指標來評估主要國家與台灣實施學生貸款後所產生的管理效果與社會影響;最後,根據研究發現提出結論與建議,做為台灣學生貸款方案改進之參考。 |
英文摘要 | Governments worldwide have been committed to perfecting their student assistance programs to solve the social controversy of tuition, with over 70 nations having introduced student loan programs under such circumstances. However, loan programs are not an infallible remedy for tuition problems and could trigger further complications regarding education expenditure. Because governments must provide interest subsidies as well as cover debt losses and administrative costs, over-subsidization could lead to a waste of limited resources. Moreover, sluggish global economic growth has caused graduate unemployment rates to soar, leading to decreased debt servicing capacity and inadequate loan recovery. This study evaluated the effectiveness of student loan programs. The study began with a document analysis of related Taiwanese and foreign studies to address the origin, policy objectives, and global development trends of student loan programs. Next, the management effectiveness and social effects of student loan programs in various nations were examined from three dimensions, namely government participation levels, national financial burdens, and household debt service burdens. Lastly, this study offers suggestions that could serve as a reference to improve student loan programs in Taiwan. |
起訖頁 | 025-061 |
關鍵詞 | 高等教育、學生貸款方案、學費、higher education、student loans programs、tuition fees |
刊名 | 高等教育 |
期數 | 201612 (11:2期) |
出版單位 | 台灣高等教育學會 |
DOI |
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