CAJ | 학술논문

国家助学贷款制度有效地保证了我国高等教育机会均等和社会公平目标的实现，但政策的实施过程中仍有许多不尽如人意之处，究其原因在于制度安排存在缺陷，而解决出路在于完善制度设计。笔者在比较研究助学贷款制度的交易成本和组织成本情况的基础上，提出通过引入助学贷款中介组织来实现制度的创新。
국가조학대관제도유효지보증료아국고등교육궤회균등화사회공평목표적실현，단정책적실시과정중잉유허다불진여인의지처，구기원인재우제도안배존재결함，이해결출로재우완선제도설계。필자재비교연구조학대관제도적교역성본화조직성본정황적기출상，제출통과인입조학대관중개조직래실현제도적창신。
National Student Loans policy guarantees the achievement of the equality of chance in higher education and social equity. However, it still exist some effect and problems because of the deficiencies in system arrangement and the way out is to clear and to perfect the design of the system;on the basis of compare to the transaction cost and the organization cost of the national student loans system, come to the conclusion that it must draw into Intermediary organization to solve the problem of the deficiencies in system arrangement at present.