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1.
This article explores some recent research evidence on the possible impact of the higher education reforms in England on participation by students from lower socio‐economic backgrounds. The evidence is examined in terms of costs, debt and term‐time working. Financial issues have been shown to constrain choice of institution and place of study for lower‐income students, and financial problems are commonly cited as reasons for dropping out of higher education. The greatest difference in debt levels has been found to be linked to family background, with students who were poor before they entered university leaving university with the largest debts. Overdrafts and credit card debt levels have been shown to be lower for students in receipt of grants than for those who are not. Research has shown that school leavers who are least debt‐averse are more likely to go to university than those who are anti‐debt; the latter include those from the lowest socio‐economic groups and certain black and minority ethnic groups. Students who work in term‐time may achieve less academically: those who work in term‐time are more often those from lower socio‐economic groups or minority ethnic groups. Overall, the evidence indicates that financial payments and grants are likely to be the most promising way forward to increase participation in higher education among those from lower socio‐economic backgrounds. 相似文献
2.
高等学校负债风险的微观成因及控制 总被引：13，自引：1，他引：13
为适应高校教育大众化要求，高等学校进入了规模扩张阶段；政府投入的不足，使高校负债发展成为必然选择；由于政府拨款和自身收入的增长幅度有限、高校内部财务管理制度缺失等因素易导致高校负债风险的产生。落实高校的办学主体地位，建立高校风险遇警机制，调整负债结构，建立健全内控机制等，可以有效控制高校负债风险的发生。 相似文献
3.
完善助学贷款制度是解决高校学生欠费问题的根本对策 总被引：5，自引：0，他引：5
高校学生欠费问题是近几年高校收费管理工作中出现的新问题，也是困扰高校建设和发展的新障碍。目前高校学生欠费现象日趋严重，欠费人数多、欠费金额大、欠费时间长，这有主观原因，但主要是客观原因。只有完善助学贷款制度才是解决高校学生欠费问题的根本对策。 相似文献
4.
Research in Higher Education - Widespread attention to college tuition and student loan debt has resulted in increasing scrutiny of high levels of compensation for college and university... 相似文献
5.
当前我国高校的债务危机主要来源于新校区建设。高校的巨额债务危机直接影响到教师自身的生活质量,从而产生心理上的不公平感;影响教师自我价值的实现,从而产生心理上的焦虑感;影响师生关系,从而使教师产生心理上的内疚感。解除高校债务危机对教师的心理影响既需要探索高校建设多渠道融资机制减轻高校债务压力,还要实行科学管理,充分利用各种渠道拉近学校管理者与教师之间、师生之间的心理距离。 相似文献
6.
随着计划经济体制向社会主义市场经济体制的转轨,教育经费的筹措体制走向多元化,负债办学在我国逐渐由“星星之火”演化为“燎原之势”。高校负债办学缓解了高校办学经费不足的困境,在一定程度上促进了我国高等教育的发展。但同时,不切实际地过度举债也给高校的长远发展带来了极大的负面影响。从阐述高校负债办学的表现及负面影响入手,解析负债办学的原因,进而提出一些规避的建议和措施。 相似文献
7.
《Journal of Further & Higher Education》2012,36(6):838-850
This paper examines current part-time mature learners’ views on the potential impact upon future students as full fees are introduced from 2012. It investigates the problems which part-time mature learners may face with the advent of student loans and subsequent debt, given that they are usually combining complex lives with their studies, with less time to repay any loan in their working lifetime. Despite government rhetoric about the need to increase participants from these groups, most advice and guidance has focused on the traditional full-time market, with little being done to investigate the views of part-time mature learners or to provide appropriate support for them from 2012 onwards.The views have been gathered through focus group discussions with students in a traditional English university and four of its further education partner colleges via online forums. Resultant data have been analysed to look at emerging themes, which can be summarised as: relief that the respondents had avoided the new fee regime; lack of understanding about current funding; fear that their families would suffer and taking a loan would somehow be a ‘selfish’ strategy; fear that graduate employment would still elude them; fear that their age would mean that they would never be able to repay the debt; a perception that the new regime would generate ‘extra’ money for universities which would be reflected in increased contact hours and wariness about the generous repayment terms currently offered because a change of government could signal new policies and processes. 相似文献
8.
薛岩 《佳木斯教育学院学报》2012,(4):138-139
高校扩招配套设施开始扩建,教育经费没有相应的增长,为筹集扩建资金各高校向银行举债。本文从地方高校债务风险产生的背景谈起,分析由负债办学发展到债务危机的原因,建议高校、政府、银行应用互助策略防范高校债务风险。 相似文献
9.
David E. Lorey 《Higher Education》1992,23(1):65-78
Since the establishment of national university systems in Mexico and Venezuela, three principal demands have dominated the formulation of university policy: the ideological demand imposed by government rhetoric and national aspirations (a demand reflected in federal expenditure), the demand of the national economy for different areas and levels of professional expertise, and the broad-based political and social demand for upward mobility by way of university education. Tensions between these three demands in both Mexico and Venezuela have stemmed from the historically decreasing ability of Latin American economies to produce significant long-term social mobility into the middle classes. Although in the 1940s and 1950s the university systems played important roles in promoting social mobility, by the 1960s the number of professional jobs was much smaller than the number of university graduates. By the 1980s, the social role of the universities was severely limited by economic crisis brought on by a combination of dropping oil prices, debt, and government deficits. The major challenge currently facing Mexico and Venezuela in higher education policy is to restart economic growth to provide jobs for university graduates. 相似文献
10.
跨越式发展导致国立高校在高负债下经营。建立大学联邦制,实施分层建设,引入民间资本办学,是消化债务,解决办学财源,应对市场变化的制度保证,由此引致的产权制度变革,将把中国高等教育事业推向健康发展的轨道。 相似文献
11.
The gradual commodification of higher education in the context of an increased focus on graduate employability attributes together with evolving labour markets is creating challenges for universities and students alike. For universities, there has been significant investment in careers services and, through institution-wide initiatives, employability or graduate attribute development established to support graduate transitions into work. Meanwhile, for students, experience of part-time work together with pessimistic post-recession employment discourses are challenging the notion that a good degree guarantees their future career prospects. Simultaneously, decreasing financial support from the state has resulted in worrying levels of debt for new graduates. This pilot study was designed to gain a fresh perspective of how students imagine themselves following graduation. The study used rich pictures (RP) as a methodology to explore student views of life beyond university in the UK and Canada. Content analysis of the RPs provided insights into their thoughts and anxieties about potential challenges for the future. Students presented both positive and negative visions of their future, with success in achieving a respectable performance in their final degree as the key differentiator. The insights gained are discussed in the context of related research into students’ concerns and university initiatives to support students throughout higher education and then into graduate employment. The findings revealed student motivations, hopes and fears which can inform the development of impactful university interventions. 相似文献
12.
目前,我国高校债务危机的问题已日益突显,巨额债务已成为制约高校尤其是地方性高校发展的重要因素,对我国高等教育事业的可持续发展造成隐患。文章从地方性高校债务产生的根源、办学债务形成的根本因素入手,就偿还债务的责任和化解债务的机制提出了一些看法。 相似文献
13.
近10年,高校举重债办学,在一定意义上支撑着高校扩招,使我国高等教育在短时间内实现了由精英教育向大众教育的过渡.但是,由于高校贷款扩张速度快,数额大,涉及面大,债务重,不仅影响到高校自身的可持续健康发展,而且将影响到我国和谐社会构建的大局,需要高度重视.从债务负担、社会根源、法律政策、解决对策等多维视角透视高校贷款问题,求得广泛社会共识,并最终推动问题的妥善解决,是教育和谐发展乃至社会和谐发展之必须. 相似文献
14.
Will Brehm 《Globalisation, Societies & Education》2019,17(3):296-309
Some of the biggest debtors in the twenty-first century are not small business owners or first-time homeowners, but rather university students who take out massive debt in the belief that it is an investment in their future. Like housing loans before the Global Financial Crisis, student loan debt is today being packaged and re-packaged into exotic financial products called Student Loan Asset Backed Securities (SLABS). This article details the financialisation of higher education and the emergence of SLABS, primarily through a case study of Pine Capital, a wealth management company, that has successfully shorted the market. Using investment reports and Federal Reserve data from the USA, the article outlines the misaligned incentives and miscalculation of risk that allowed Pine Capital to profit. The article then argues that those who are shorting the education market reveal not only an investment opportunity but also a fundamental challenge to the commonplace thinking about education today: higher education is teaching future generations the practices of debt peonage, a key feature of financial capitalism. 相似文献
15.
《Journal of Further & Higher Education》2012,36(2):195-213
This paper offers the results of a single university department (Sociology) where the entire undergraduate body was broken down by entry-year based cohorts (1996-97, 1997-98 and 1998-99) and demographics ('sex', 'age at entry', and whether or not the student was first in family to attend university) using a questionnaire. Their attitudes towards the current financial predicaments of students were assessed. Results indicate that there are fewer mature students in the two more recent-year cohorts (possible reasons are discussed). Also, responses, where divisions occur, are largely age-group related, with the split being at the 'under 30'/'over 30' point (age groupings are discussed). Students over 30 being more cautious about debt and feeling that mature students need greater financial support. 相似文献
16.
Pru Marriott 《Higher Education Quarterly》2007,61(4):498-519
While students have always found balancing their finances difficult, the current generation are faced with unprecedented debt burdens during and on completion of their studies. Student debt is now an expected outcome of attending university and, apart from the negative consequences it may have on participation in higher education, it may have a detrimental impact on the academic performance and psychological well‐being of students as they strive to fund their education and reduce their debt through part‐time working patterns. However, student debt can be managed better if students possess adequate personal financial awareness, have a responsible attitude to debt and are able to budget carefully. This study attempts to measure the personal financial awareness, attitude to debt and budgeting capabilities of 149 first‐year business school undergraduates using a specially developed test. The mean test score of 34 per cent on the financial awareness section indicates significant gaps in their personal financial knowledge and it appears that they are entering a critical stage of their lives ill‐equipped to cope with the severe cash restrictions they will encounter. This study is a valuable starting point in understanding the financial challenges faced by students in higher education in the UK and highlights how academic institutions can provide support to increase the financial awareness of students so that they can manage better their personal finances while at university. 相似文献
17.
刘闫锋 《陕西教育学院学报》2014,(2):109-112
近年来在高等教育快速发展的大趋势下,大多数高校在负债的情况下办学力求满足社会对高等教育资源的需求。政府利用化解债务的方式解决高校资金上的问题。政府化债后期,高校应在开源节流的基础上加强资金管理,建立有效的债务偿还机制,使得学校健康可持续发展。 相似文献
18.
翁强 《金华职业技术学院学报》2014,(1):69-71
当前学界关于建立自然人破产制度的呼声越来越高,自然人破产制度的建立已经成为大势所趋。在关于自然人破产制度的具体设计中,侵权之债的破产免责制度仍需要进一步研究。在我国,对于自然人破产中的侵权之债不能当然免责,应采取许可免责;其次,应对侵权之债进行分类,规定哪些可以免责,哪些不可以免责;最后,对于可以免责的侵权之债,应规定为自然之债,仅仅失去强制执行力,而不是必然消灭。 相似文献
19.
Since the recent changes in the system of student finance in England, studies focusing on the impact of increased debt and
the effect of the bursary system have concluded that the chances of achieving stated policy objectives in relation to widening
and increasing levels of participation have been reduced. This study considers the full financial package rather than particular
elements, using survey data collected soon after students are expected to apply to university. The study finds that many students
do not take into account the ‘financial package’ when making decisions on whether to apply and which university to apply to.
They appear to be just as ignorant of grants and loans as bursaries; a large proportion of students with a perceived family
income that would have entitled them to a full or partial maintenance grant did not consider themselves eligible (42 and 53%
respectively). Students seem to have got the message that going to university is costly and will leave them in debt, but in
many cases they do not have the information on what may moderate the costs for them. It will only be possible for policy to
work if support can be provided that effectively influences the decision heuristics of students. 相似文献
20.
Borrowing from banks has become a common practice among Chinese higher education institutions (HEIs), and operating with a
heavy debt load has become a characteristic of Chinese higher educational development. Substantial financial commitments acquired
by HEIs during their rapid expansion since 1998 are now having serious consequences: numerous universities and colleges have
found themselves with major debt problems. Some are even facing insolvency. This paper describes the background of Chinese
HEIs’ debt problems, assesses the present debt and repayment situation, and suggests a possible solution for the university
debt crisis, using empirical evidence from one HEI in China. 相似文献