國家助學貸款的宏觀經濟效益

Macro Economic Benefits of National Education Loan

国家助学贷款不但具有社会效益，还具有边际消费倾向高、消费时滞短、无挤出效应的消费特点，在乘数效应作用下，可使社会消费、投资、就业和税收遽增。研究显示，2006年发放国家助学贷款81亿元，可使GDP增加180亿元，就业岗位增加9.56万个，税收增长34.09亿元，有力地促进了宏观经济增长。因此我们要正确认识国家助学贷款的宏观经济功能，加大对国家助学贷款的政府补贴力度，以全面发挥国家助学贷款实施效益。

The benefits of national education loan involve not only social benefits， but also high marginal propensity to consumption， short time delay in consumption， and no crowding out effect. With it’s the multiplier effect， national education loan may help to increase social consumption， investment， employment and tax revenue. Research has shown that China invested 8.1 billion RMB yuan as national education loan in 2006， hence generated a significant level of macro economic development involving 18 billion RMB yuan in GDP， 95，600 employment posts and 3.409 billion RMB yuan tax revenue. Therefore， in order to further extend the benefits of national education loan， it is important to recognize the contribution of national education loan to macro economy， increase the level of public subsidy in national education loan.