排序方式： 共有187条查询结果，搜索用时 15 毫秒
61.
周丽娟 《荆州师范学院学报》2008,(3):58-61
从美国次级债市场运行机理出发,结合我国个人房地产信贷的现状,从而发现中国内地个人房贷市场的不确定因素。因此,提出规范个人住房贷款业务,严禁“零首付”个人住房贷款;防范假按揭,套取银行贷款;加强对住房公积金信贷等政策性房地产金融的管理;通过金融创新来完善房地产金融产品市场;加快经济适用房等保障性供应量,确保供需多样化等方面警醒国内个人房贷市场的风险。 相似文献
62.
国家助学贷款的理论探讨和实证分析 总被引：27，自引：0，他引：27
本探讨了国家助学贷款的理论依据，考察了其公平性和有效性，指出了目前阶段存在的主要问题，并提出了改进的政策性建议。 相似文献
63.
Using the National Center for Education Statistics' Baccalaureate & Beyond Longitudinal Survey, a nationally representative sample of 1992–1993 college graduates, this paper examines the relationship between educational debt burden and student race, ethnic, gender and income characteristics 4 years after receiving the bachelor's degree. The results indicate strong effects of family income, race and ethnicity on excessive educational debt burden among student borrowers. That is, students from lower-income backgrounds, Blacks and Hispanics have a significantly greater risk to have excessive educational debt burden 4 years after receiving the baccalaureate degree. Students with high educational debt burdens borrow more for college and have lower average salaries than do other students. 相似文献
64.
The purpose of this study was to determine if National Direct Student Loan defaulters could be differentiated from payers by using information available at the time the loan is made. Data from 686 repayers and 192 nonpayers were analyzed. It was found that a combination of five student characteristics was all that was needed to accurately predict which students would not repay their loans. The combination of factors which proved to have predictive value in order of importance were: grade point average at the time of the loan, ACT composite score, OPI complexity scale, the OPI anxiety level scale, and the size of the loan. The most striking outcome was that personality measures have strong predictive value in identifying future defaulters. Further validation of these findings is underway. 相似文献
65.
严亚明 《南阳师范学院学报》2003,2(11):38-41
鉴于清政府财力支绌，社会股份投资意识淡漠，晚清人士探讨了通过借洋债、招洋股的方式创办新式企业的问题，认为藉此可以解决国内资金短缺难题，加快经济建设，转变社会公众的投资观念，促进新式企业制度的发展；同时，通过创办企业引进外资，有助于维护国家利权。 相似文献
66.
自1990年开始至今,英格兰高校学生贷款政策已经经历了三个发展阶段。2006-2007学年开始实施的新学生贷款政策的性质、内容、申请资格、审核标准以及管理和申请情况均出现了较大的变化。作为典型的政策性贷款,英格兰高校学生贷款政策设计的合理性以及后续影响的分析对中国高校学生贷款政策的制定具有一定的借鉴价值。 相似文献
67.
Chile’s higher education system stands out as being one of the most privatized and open to the market in the world. Recently,
the Chilean Congress passed Law # 20.027 of 2005, which provides the legal framework for the creation of a student loan system
guaranteed both by the State and by higher education institutions (HEIs), financed by the private capital market through the
securitization of the loans. The system operated for the first time in 2006, where approximately 21,000 students were able
to access financing of their higher education for the remainder of their careers. It is expected that as the system matures,
more and better information will be available, which will benefit the students and the HEIs; and it is highly likely that
the current number of financed students could grow significantly in the next few years. The purpose of this article is to
describe the outstanding characteristics of this system, explain its conceptual basis and analyze the public policy choices
available in its design.
相似文献
| Salvador Zurita (Corresponding author)Email: |
68.
在国家助学贷款政策的执行中,大学生诚信现状及特点如何,是本研究的主题。本文通过抽样调查,以贵州大学学生为例,分析国家助学贷款中大学生诚信行为的现状,并进一步总结其特点,得出国家助学贷款中大学生的诚信度较高这一结论。 相似文献
69.
本文在分析科技产出对科技投入影响机制的基础上构建研究框架,运用面板数据、格兰杰因果检验、面板VAR模型研究了科技投入与产出的互动关系,侧重不同投资渠道资金的绩效研究。研究结果表明,政府科技投入具有一定的刚性,相对独立,不能带动企业科技投入。企业科技投入与银行科技贷款的结合相对比较紧密。科技产出除对企业科技投入的具有较大的促进作用外,对其他投入要素的反馈较小。从要素贡献看,政府科技投入的弹性系数大于企业科技投入,银行科技贷款的弹性系数为负数,研发人员全时当量与科技产出无关。 相似文献
70.
作为拥有十多亿人口的世界第二大发展中国家，印度政府为发展教育事业做出了巨大努力。独立以来，印度逐步建立了种类繁多、内容丰富的奖助学金制度，为处境不利人口接受教育提供了机会，为印度社会全面发展奠定了基础。 相似文献