摘要
利用分层抽样方法从部分湖南省高校2004到2008年的助学贷款数据中选取4070个样本,利用SPSS软件分析样本中贷款利率、期限及还款程序、生源地和各学科门类学费等自变量与贷款金额、人数、次数、年限、提前还款与违约率等因变量的相关性。由此建议在目前的政策环境下,推进重点地区生源地贷款与鼓励学生回家乡就业相结合、增加艰苦专业的学生补贴,制定均衡的利率政策,优化贷款程序等可改善国家助学贷款政策的实施效应,从而为助学贷款政策的完善提供一种新的思路。
With 4070 samples obtained from loans of some colleges under the direct administration of Hunan provincial government according to the stratified sampling from the year 2004 to 2008,the correlation between independent variables,such as the origin of residence,tuition,interest rates,length limit,repayment ways,and dependent variables,such as loan amount,number,frequency,early repayment and default rates,were discussed using SPSS.The results show that the expanding loans based on origin of residence combined with encouraging students to work in the hometown,increasing difficult subject subsidies,balancing rate and optimizing loan process need to be emphasized to improve the effects of the government subsidized-student loans in current policy,thereby providing new ideas to improve the loan policy.
出处
《中南林业科技大学学报（社会科学版）》
2010年第6期114-117,共4页
Journal of Central South University of Forestry & Technology（Social Sciences）
关键词
助学贷款
统计分析
相关性
实证研究
government subsidized-student loans
statistical analysis
correlation
empirical study
