高校学生贷款运行模式的中外比较和政策分析

International Comparison and Policy Analysis of Student Loan Schemes in Higher Education Institutes

本文描述了我国高校学生贷款的管理结构和业务流程，并与美国和加拿大学生贷款的运行模式进行了对比，进而探讨了政府和市场在学生贷款计划中的作用和职责，最后指出我国高校学生贷款要解决的主要问题。

This paper describes Chinese student loan scheme in institutional structure and operating flow， analyzes the operation mechanism of student loan schemes in the United States and Canada. After that ， the paper explores different roles and functions of governments and market in student loans and discusses the problems to be solved in the Chinese case.