论政府干预国家助学货款的理论基点

The Theoretic Basis of Governmental Intervention in State-Subsidized Student Loan

从全球范围来看，学生贷款的有序发展离不开政府的有效干预。就我国而言，政府支持国家助学贷款的发展有其深层次的理论根源，主要表现为公共产品理论与国家助学贷款的准公共产品属性、人力资本理论与国家助学贷款的收益外溢、公共财政理论与国家助学贷款的市场失灵、政府的公共性与国家助学贷款的公益性四个方面。探究政府干预国家助学贷款的理论基点，对于引领国家助学贷款政策实践的有效性具有深刻的现实意义。

The orderly development of student loans can not be achieved without efficient governmental intervention all over the world. For our country， the theoretic basis of governmental intervention in state-subsidized student loan can be summarized as follows: public good theory and the quasi-public product attribute of state-subsidized student loan; human capital theory and the benefit spillover of state-subsidized student loan; public finance theory and the market failure of state -subsidized student loan; public property of government and the necessity of governmental intervention in state-subsidized student loan.