发展中国家少见的成功范例--南非学生贷款案例分析

A Rare Success in Developing Countries：The Case of South Africa Student Loans

发展中国家学生贷款的失败案例随处可见，但南非学生贷款却是少有的成功案例。南非学生贷款通达了目标人群，回收效果好，管理成本可控。其成功的根本原因在于，政府以立法的手段将追求教育公平的理念落到了实处，政府不仅积极地投入财政资金，还赋予有关机构一定的义务，协助和参与回收学生贷款。

The failure cases of student loans can be seen everywhere in developing countries， while the student loan of South African is rare success story， because of its reaching the target population， good recovery and the cost of management in control. The fundamental reason for its success is that the Government has implemented the ideas of the pursuit of educational equity by means of legislation， not only engaging in financial resources， but also conferring some special power to the relevant agencies to assist and recover student loans.