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Government-subsidizeStudentLoanRepaymentandRecoveryRatioResearchHuaShenGraduateSchoolofEducation,PekingUniversity,Beijing100871[Abstract]Therepaymentandrecoveryofstudentloansisfocusedbyallparticipators.Itisalsoakeytokeepingstudentloanssustainabledeveloping.Wemeasuredtherepaymentratio,recoveryratioandrelativeefficiencyindexoftheGovernment-SubsidizeStudentLoan(GSSL)respectivelyundertheoldandnewpolicy,andmadeaninternationalcomparisonwiththestudentloansintheotherabout40countriestoshowthetotalimplementationefficiencyoftheGSSL.Finally,weposedsomepolicysuggestionstoimprovetheimplementationefficiencyoftheGSSL.[Keywords]:Government-subsidizeStudentLoan;RepaymentRatio;RecoveryRatio;RelativeEfficiencyIndex.6118EconomicsofEducationResearch(Beida)2008326118EconomicsofEducationResearch(Beida)2008336118EconomicsofEducationResearch(Beida)200834(1)1:(1)[1(1)]LglNlIPDiI+−−==×+×−+∑(1)1111(1)(1)NngLnrepaymentnLldisbursementllPPVrDPVr+−+=−=+=+∑∑(2)6118EconomicsofEducationResearch(Beida)2008351100%=−×(3)nPnlPVDDliIgNnrLl===========2.1111(1)(1)recoverydisbursementrepaymentminusdefaultadministrationcostsdisbursementNNnngLngLnnndisbursementPVPVPVPVPVPodacrrPV+−++−+===−′×−++∑∑(4)(1)nnPnPddodnac′×−3.(RelativeEfficiencyIndex,REI)(5)(1)6118EconomicsofEducationResearch(Beida)200836∗1.100%850%50%462a.6,000b.4()6()1c.“”6.21%3.105%“”5.88%d.(CPI)6.7%e.20025.6%[13]5.6%6%8%10%∗2004620046“”20046“”6118EconomicsofEducationResearch(Beida)200837120042004()46443.105%0%3.105%6.21%24,00024,000()25,117.8024,000()466,564.6826,258.726,014.5830,072.9067.88%65.35%5.6%32.12%34.65%66.86%64.02%6%33.14%35.98%62.05%57.87%8%37.95%42.13%57.65%54.43%10%42.35%47.57%100%5.6%“”32.12%67.88%34.65%65.35%2.53200415.6%10%34.65%47.57%65.35%54.43%6118EconomicsofEducationResearch(Beida)2008382%3960.8564.6365.2869.7453.8456.0967.8867.8864.63∗64.63∗164.63%6118EconomicsofEducationResearch(Beida)2008391(%)40.8659.1445.5354.4751.348.70102030405060706118EconomicsofEducationResearch(Beida)2008310312.88%28.25%0%0%1%2%0%1%2%67.88%59.14%55.67%52.21%48.70%45.24%41.77%1.000.870.820.770.720.670.625.6%3112.88%59.14%8.7410.871%2%55.67%52.21%0.820.7728.25%10.62649.15%1-2%38.80%41.77%220046118EconomicsofEducationResearch(Beida)2008311412.88%28.25%0%0%1%2%0%1%2%64.63%56.31%52.00%47.69%46.37%42.07%37.76%1.000.870.800.740.720.650.585.88%26556524846423810087807472655802040608010012%1%2%28%1%2%64.63%12.88%56.31%8.320.871%2%52%47.69%0.800.7428.25%2%37.76%0.5836118EconomicsofEducationResearch(Beida)2008312512.88%28.25%0%0%1%2%0%1%2%67.88%59.14%55.67%52.21%48.70%45.24%41.77%64.63%56.31%52.00%47.69%46.37%42.07%37.76%3.25%2.83%3.67%4.52%2.33%3.17%4.01%1.000.870.820.770.720.670.621.000.870.800.740.720.650.5800.020.0300.020.0467.88%64.63%3.25328.25%67.8848.745.2441.7764.6346.3742.0737.7628.25%2%37.76%41.77%4.01“”56118EconomicsofEducationResearch(Beida)2008313428.25%7267627265586118EconomicsofEducationResearch(Beida)20083146118EconomicsofEducationResearch(Beida)2008315[1][4][6][7][16][18]AdrianZiderman,DouglasAlbrecht.FinancingUniversitiesinDevelopingCountries[M],TheFalmerpress,1995:72[2][11][17]AdrianZiderman.StudentLoansinThailand:Aretheyeffective,equitable,sustainable?[M].UNESCO-Bangkok/IEEP,2003:127[3][12],,.:[J].,2003(1):45-52[5]D.BruceJohnstone.SharingtheCostsofHigherEducationStudentFinancialAssistanceintheUnitedKingdom,theFederalRepublicofGermany,France,Sweden,andtheUnitedStates[M],NewYork:theCollegeBoard,1986:170[8]HongShenWenliLi.AreviewofthestudentloansschemeinChina[M].ThailandBangkok:NNESCO/IEEP,2003[9]Kim,A.;Lee,Y.StudentloansschemesintheRepublicofKorea:reviewandrecommendations[M].Bangkok:IIEP;UNESCOBangkok,2003[10]AdrianZiderman.PolicyOptionsforStudentLoansinSchemes:LessonsfromFiveAsianCaseStudies[M].UNESCO-Bangkok/IEEP,2004:111[13]WorldBank.2004Worlddevelopmentindicators[P].WashingtonD.C.:TheWorldBank,2004[14].[N].,2006.9.22[15]MaureenWoodhall.StudentLoansasaMeansofFinancingHigherEducationLessonsfromInternationalExperience[P].WorldBank,Number599,1984[18]D.B.,.:[M].,2004