CAJ | 학술논문

作为一种世界范围内通行的制度，我国助学贷款制度不仅体现了社会公平和道德诉求，也体现了一种经济理性。从高等教育助学贷款制度存在必要性和制度上的合理性，比较了各种高等教育资助制度的优劣，着重分析了助学贷款制度在市场经济条件下的优越性；从各行为主体追求利益最大化的角度出发，对助学贷款制度设计的机制进行了分析。
작위일충세계범위내통행적제도，아국조학대관제도불부체현료사회공평화도덕소구，야체현료일충경제이성。종고등교육조학대관제도존재필요성화제도상적합이성，비교료각충고등교육자조제도적우렬，착중분석료조학대관제도재시장경제조건하적우월성；종각행위주체추구이익최대화적각도출발，대조학대관제도설계적궤제진행료분석。
National system of student loans manifests not only the social equity and morals claim, but aslo the economic reasonableness. In the necessity and possibility of the national loan for studying, all kinds of systems of national loan are compared, and the paper emphasizes to analyze the student loan system superiority under the market economy. To maximize the benefits of behavior corpus, it carries on the analysis of the student loan system design.