社保机构回收学生贷款的可行性研究
|
摘要
贷款回收难是国家助学贷款面临的突出问题,除去借款人的还款能力外,主要是贷款风险难以控制。作为信用贷款,国家助学贷款不能利用担保措施来防范风险。我国社会信用体系基础十分薄弱,不能发挥应有的作用。这样,贷款的回收任务都留给了回收机构,回收的结果完全取决于回收机构的业务能力。
回收机构是解决贷款回收难的关键。考虑到现有回收机构面临的困境,本文尝试探讨中国社会保险机构回收国家助学贷款的可行性。
首先,对发展中国家回收学生贷款典型案例进行研究。在此基础上,对回收机构有效回收学生贷款应具备的基本条件进行了总结和论证。本文认为,回收机构有效回收学生贷款需要满足的基本条件是,健全的组织结构、完备的管理信息系统、有效的风险控制和员工的协作进取以及政府的支持。这里“有效回收”指在规定期限内借款人有能力偿还的贷款都能回收上来。
然后,结合条件对中国社会保险(障)的现状和发展趋势进行了分析与归纳。本文认为,我国劳动和社会保障的组织结构和业务网络比较健全;金保工程进展比较顺利,管理信息系统已具雏形,但仍处在进一步建设和完善中;随着社会保险覆盖面的扩大、《劳动合同法》的实施和人力资源和社会保障部的组建,确定还款人的身份、就业状态和收入将不再是困扰学生贷款有效回收的瓶颈。隐性担保是可行的,它能有效地清收拖欠的贷款。社会保险机构控制风险的能力正在增强,但严重依赖于该系统对人力资源与社会保障信息的拥有与覆盖的程度;由于我国社会保险事业起步晚,法律法规不健全,而规模膨胀得过于迅速,有效的运作机制和管理规范尚待进一步形成,服务水平有待提高。
基于以上分析,本文认为,我国目前的社会保险机构初步具备了有效回收学生贷款的基本条件,但离高标准的要求尚有一定差距。随着市场经济的深入和党对社会保障事业认识的不断深化,我国社会保障事业正朝着有利于社会保险系统成为学生贷款回收机构的方向发展,预计“十二五”末期我国社会保险机构作为学生贷款回收机构的条件将会更加成熟。
Difficulty in loan recovery composes the prominent issue of National Student Loan in China, aside from the repayment capability of borrowers, mostly in that loan risk is hard to control. As a kind of credit loan, National Student Loan obviously can’t utilize guarantee measures to prevent risk. The foundation of social credit system in our country is quite weak, which couldn’t exert its inward effect. In this way, the task of loan recovery all remains to the recovery institution, and the result rests with the operation ability of recovery institution absolutely.
Institution is the key to solve the difficulty in loan recovery. Considering the corner faced by recovery institution in existence, the dissertation attempts to probe into the feasibility of recovering National Student Loan by social insurance institution of China. For that, the dissertation firstly studies on the typical cases of recovering student loans in developing countries. On these bases, the dissertation carries through summarization and demonstration to the postulate that should be necessarily contented in recovering student loan by institution. The dissertation reckons that the postulate of recovery institution should include wholesome organizational structure, self-contained management information system, effective risk control, collaboration and enterprising of the staff as well as the support of government. Over here, effective recovery indicates that the loans could be recovered from the borrowers who have capabilities to repay the loan under regulated term.
Afterwards, the dissertation carries through analyses and conclusions to the actuality and developmental trend of Chinese social insurance combined with conditions. The dissertation reckons that organizational structure and operational network of labor and social insurance in our country have comparatively been wholesome. Gold Insurance Project has progressed all right, and the management information system has taken on rudiment, but still needs further construction and perfection. Along with the coverage extension of social insurance and the implementation on the Law of The People’s Republic of China on Employment Contracts as well as the establishment of Human Resources and Social Insurance Ministry, ascertaining the identities, employment status and income of borrowers won’t be the bottleneck that puzzles effective recovery of student loans any more. Hidden guarantee is feasible, which could effectively recover the defaulted loans. The ability of social insurance institution controlling recovery risk has been boosting up, but seriously depending on the degrees the system holds and covers the information of human resources and social insurance. Since the career of social insurance in our country gets up late, relevant laws are not consummate, and scale expands excessively rapid, which make the operational mechanism and management criterion need further perfection, and the service levels also need advancement.
Grounding on upward analyses, the dissertation reckons that present social insurance system in our country has elementarily been provided with the postulate of effectively recover student loans, but still has certain disparity from high standard. As the penetration of market economy and gradual deepness of cognition in social insurance career of the party, social insurance system of our country has been developing in favorable direction to recovering student loans, and the condition will become more mature at the end of the next five years.
回收机构是解决贷款回收难的关键。考虑到现有回收机构面临的困境,本文尝试探讨中国社会保险机构回收国家助学贷款的可行性。
首先,对发展中国家回收学生贷款典型案例进行研究。在此基础上,对回收机构有效回收学生贷款应具备的基本条件进行了总结和论证。本文认为,回收机构有效回收学生贷款需要满足的基本条件是,健全的组织结构、完备的管理信息系统、有效的风险控制和员工的协作进取以及政府的支持。这里“有效回收”指在规定期限内借款人有能力偿还的贷款都能回收上来。
然后,结合条件对中国社会保险(障)的现状和发展趋势进行了分析与归纳。本文认为,我国劳动和社会保障的组织结构和业务网络比较健全;金保工程进展比较顺利,管理信息系统已具雏形,但仍处在进一步建设和完善中;随着社会保险覆盖面的扩大、《劳动合同法》的实施和人力资源和社会保障部的组建,确定还款人的身份、就业状态和收入将不再是困扰学生贷款有效回收的瓶颈。隐性担保是可行的,它能有效地清收拖欠的贷款。社会保险机构控制风险的能力正在增强,但严重依赖于该系统对人力资源与社会保障信息的拥有与覆盖的程度;由于我国社会保险事业起步晚,法律法规不健全,而规模膨胀得过于迅速,有效的运作机制和管理规范尚待进一步形成,服务水平有待提高。
基于以上分析,本文认为,我国目前的社会保险机构初步具备了有效回收学生贷款的基本条件,但离高标准的要求尚有一定差距。随着市场经济的深入和党对社会保障事业认识的不断深化,我国社会保障事业正朝着有利于社会保险系统成为学生贷款回收机构的方向发展,预计“十二五”末期我国社会保险机构作为学生贷款回收机构的条件将会更加成熟。
Difficulty in loan recovery composes the prominent issue of National Student Loan in China, aside from the repayment capability of borrowers, mostly in that loan risk is hard to control. As a kind of credit loan, National Student Loan obviously can’t utilize guarantee measures to prevent risk. The foundation of social credit system in our country is quite weak, which couldn’t exert its inward effect. In this way, the task of loan recovery all remains to the recovery institution, and the result rests with the operation ability of recovery institution absolutely.
Institution is the key to solve the difficulty in loan recovery. Considering the corner faced by recovery institution in existence, the dissertation attempts to probe into the feasibility of recovering National Student Loan by social insurance institution of China. For that, the dissertation firstly studies on the typical cases of recovering student loans in developing countries. On these bases, the dissertation carries through summarization and demonstration to the postulate that should be necessarily contented in recovering student loan by institution. The dissertation reckons that the postulate of recovery institution should include wholesome organizational structure, self-contained management information system, effective risk control, collaboration and enterprising of the staff as well as the support of government. Over here, effective recovery indicates that the loans could be recovered from the borrowers who have capabilities to repay the loan under regulated term.
Afterwards, the dissertation carries through analyses and conclusions to the actuality and developmental trend of Chinese social insurance combined with conditions. The dissertation reckons that organizational structure and operational network of labor and social insurance in our country have comparatively been wholesome. Gold Insurance Project has progressed all right, and the management information system has taken on rudiment, but still needs further construction and perfection. Along with the coverage extension of social insurance and the implementation on the Law of The People’s Republic of China on Employment Contracts as well as the establishment of Human Resources and Social Insurance Ministry, ascertaining the identities, employment status and income of borrowers won’t be the bottleneck that puzzles effective recovery of student loans any more. Hidden guarantee is feasible, which could effectively recover the defaulted loans. The ability of social insurance institution controlling recovery risk has been boosting up, but seriously depending on the degrees the system holds and covers the information of human resources and social insurance. Since the career of social insurance in our country gets up late, relevant laws are not consummate, and scale expands excessively rapid, which make the operational mechanism and management criterion need further perfection, and the service levels also need advancement.
Grounding on upward analyses, the dissertation reckons that present social insurance system in our country has elementarily been provided with the postulate of effectively recover student loans, but still has certain disparity from high standard. As the penetration of market economy and gradual deepness of cognition in social insurance career of the party, social insurance system of our country has been developing in favorable direction to recovering student loans, and the condition will become more mature at the end of the next five years.
引文
②黄敬宝.国家助学贷款:问题、原因与对策[J].现代金融,2006(3):3-5
③王建红.对国家助学贷款政策的思考与建议[J].西安金融,2006(11):43-44
④工商行网上公布欠款大学生信息惹争议.中国青年报[N].2007.7.22,第二版
①大学毕业生欠贷官司戏剧性变化耐人寻味[EB/OL].http://www.cas.ac.cn/html/Dir/2006/02/28/13/80/38.htm
②上海:银行大规模起诉欠贷大学生首批涉百人[EB/OL].http://news.xinhuanet.com/legal/2006-09/04/content_5046938.htm.
③学生欠助学贷款被判助贷违约率达28.4%[EB/OL].http://www.edu.cn/20060522/3191131.shtml
④教育部发布会:寻解决助学贷款高违约率机制[EB/OL].http://www.jyb.com.cn/zs/gxzs/ptgxzs/zszx/t20060915_37356.htm⑤国家助学贷款期待各方合力推进[EB/OL].http://www.sannong.gov.cn/snxw/200610130054.htm
⑥广东银行叫停助学贷款贫困生贷款违约率超20%[EB/OL].http://news.huash.com/gb/news/2004-04/21/content_974973.htm;助学贷款违约率高不能都怪学生[EB/OL].http://finance.sina.com.cn/money/lczx/20060529/00002603841.shtml;诚信缺失,令助学贷款遭遇尴尬[EB/OL].http://www.china315.com/new/news/200368211210/2006/11/25/LJDNIEKPHHBTHSYGWGYBNHGDML10221260.htm
①国家助学贷款期待各方合力推进[EB/OL].http://www.sannong.gov.cn/snxw/200610130054.htm
②肖华茵,季俊杰,沈红.国家助学贷款利率政策的实施效应[J].高等工程教育研究,2007(3):69-73
③教育部2006年第16次新闻发布会——介绍资助高校贫困家庭学生工作的有关情况[EB/OL].http://www.moe.gov.cn/edoas/website18/info20941.htm
④肖华茵,季俊杰,沈红.国家助学贷款利率政策的实施效应[J].高等工程教育研究,2007(3):69-73
①国家开发银行河南省分行开展国家助学贷款试点工作情况介绍——国家开发银行河南省分行刘浩讲话摘选[EB/OL].http://www.xszz.cee.edu.cn/show_news.jsp?id=873
①教育部2006年第20次新闻发布会.介绍高校资助家庭经济困难学生工作有关情况和国家助学贷款代偿资助办法[EB/OL].http://www.edu.cn/topic_652/20060914/t20060914_196689.shtml
②Ziderman,A.(2004)Policy options for student loan schemes lessons from five Asian case studies.Bangkok: UNESCO Bangkok/IIEP, pp.63-70
①张民选.关于大学生资助政策发展得比较研究[J].教育研究,2007(4):8
②李珍,孙永勇,张昭华.中国社会养老保险基金管理体制选择:以国际比较为基础[M].北京:人民出版社,2005.313-314
①根据教育部2006年第16次新闻发布会——介绍资助高校贫困家庭学生工作的有关情况中的有关数据计算而得.http://www.moe.gov.cn/edoas/website18/info20941.htm
②卢乃桂,柯政.教育政策研究的类别、特征和启示[J].比较教育研究,2007(2):29-30
①华建敏.加快建设中国特色社会保障体系[J].社会保障制度,2008(3):6-8
②Woodhall,M.(2002)Student loans: potential, problems and lessons from international experience[A].Financing of higher education in eastern and southern Africa [C].Tanzania:Dar-es-Salaam,pp.96-110
①Barr,N.(2007) Financing higher education: lessons from developed economies, option for developing economies. RBCED, January 16-17,2007.Beijing,China②Johnstone,B.(2006) Financing Higher Education: Cost-Sharing in International Perspective. Massachusetts: Boston College Chestnut Hill, pp.45③Ziderman,A.& Albrecht,D.(1995) Financing Universities in Developing Countries. London: The Falmer Press, pp.63-68
④刘丽芳,沈红.“按收入比例还款”的国际争议[J].教育与经济,2006(2):36-38
⑤Woodhall,M.(1983)Student Loans as a Means of Financing Higher Education Lessons from International Experience.Washington,D.C.:The World Bank,pp.52⑥2006 Supplement report [EB/OL]. http://www.ghana.gov.gh/dexadd/2006suppl.pdf,2006-8-10
⑦梁爱华,沈红.美国特别津贴及其启示[J].高等工程教育研究,2007(1):94-96
①Chapman,B. (2005) Income Contingent Loans for Higher Education:International Reform.Discussion Paper No.491,pp.55
②Ziderman,A.(2004) Policy options for student loan schemes lessons from five Asian case studies. Bangkok: UNESCO Bangkok/IIEP, pp.63-70
③Ziderman,A.& Albrecht,D.(1995). Financing universities in developing countries.London: The Falmer Press,pp.88
④Salmi,J. (1999) Student loans in an international perspective: The World Bank Experience [EB/OL]. www1.worldbank.org/education/lifelong_learning/publications/student_loans.pdf
⑤Ziderman,A. & Albrecht,D. (1993) Cost Recovery for Higher Education: Are Student Loans an Effective Instrument?.World Bank Research Observer, Vol.8 No.1 pp.71-90
①Ziderman,A. (2004) Policy options for student loan schemes lessons from five Asian case studies. Bangkok: UNESCO Bangkok/IIEP,pp.63-70
②Woodhall,M. (1987) Lending for learning: Designing a student loan programme for developing countries. London: Commonwealth Secretariat.pp.57-61
③李战鹰.学生贷款制的是与非——国际上关于学生贷款问题的争议[J].比较教育研究,1998(2):15-18
④Salmi,J. (1999) Student loans in an international perspective: The World Bank Experience[EB/OL]. www1.worldbank.org/education/lifelong_learning/publications/student_loans.pdf
⑤Ziderman,A. & Albrecht,D. (1995) Financing Universities in Developing Countries. London: The Falmer Press,pp.88
⑥Ziderman,A. (2004) Policy options for student loan schemes lessons from five Asian case studies.Bangkok: UNESCO Bangkok/IIEP,pp.63-70
⑦world development report2007[EB/OL].http://www-wds.worldbank.org/external/default/WDSContentServer/IW3P/IB/2006/09/13/000112742_20060913111024/Rendered/PDF/359990WDR0complete.pdf
①Chapman,B. (2005) Income Contingent Loans for Higher Education: International Reform. Discussion Paper, No.491,pp.55
②Barr,N. (2007) Financing higher education: lessons from developed economies,option for developing economies.RBCED,January 16-17,2007.Beijing,China
③Salmi,J.(1999) Student loans in an international perspective: The World Bank Experience[EB/OL]. www1.worldbank.org/education/lifelong_learning/publications/student_loans.pdf
④Salmi,J.(1999) Student loans in an international perspective: The World Bank Experience[EB/OL]. www1.worldbank.org/education/lifelong_learning/publications/student_loans.pdf
⑤李红桃,沈红.美国降低国家担保学生贷款拖欠率的应验及启示[J].比较教育研究,2003(1):63-66
⑥国际教育动态专栏.美法院裁决,学生贷款可用社保救助金偿还[J].比较教育研究,2006(2):91-92
①侯玉红,吴选兴.高校对助学贷款违约毕业生进行入户调查的有益探索[J].教育财会研究2006(6):21-24
②Usher,A. (2005) Global debt patterns: an international comparison of student loan burdens and repayment conditions[EB/OL]. http/www.educationalpolicy.org;刘丽芳,沈红.“按收入比例还款”的国际争议[J].教育与经济,2006(2):36-38
③赵中建.高等学校的学生贷款——国际比较研究[M]成都:四川教育出版社,1996.63.
④US Department of Education.Repayment Book: William D.Ford Federal Direct Loan Program [EB/OL]. Washington, DC: Department of Education, 2003. http://www.ed.gov/directLoan/pubs/repabook/index.html
⑤任辉.韩国开展助学贷款对我国的启示[J].经济师,2006(2):84-85
①Barr,N. (2007) Financing higher education: lessons from developed economies,option for developing economies. RBCED,January 16-17,2007. Beijing,China
②Johnstone, B. (2006) Financing Higher Education: Cost-Sharing in International Perspective. Massachusetts:Boston College Chestnut Hill,pp.45
③Salmi, J. (1999) Student loans in an international perspective: The World Bank Experience [EB/OL]. www1.worldbank.org/education/lifelong_learning/publications/student_loans.pdf
④Chapman, B. (2005) Income Contingent Loans for Higher Education: International Reform. Discussion Paper No.491.pp.19-31
⑤Albrecht, D. & Ziderman, A. (1991) Deferred cost recovery for higher education: student loan programs in developing countries(Vol.137).Washington,D.C.:The World Bank,pp.35-42
⑥Ziderman, A. & Albrecht, D. (1993) Cost Recovery for Higher Education: Are Student Loans an Effective Instrument?.World Bank Research Observer, Vol.8 No.1,pp.71-90
①Chapman, B. (2005) Income Contingent Loans for Higher Education: International Reform. Discussion Paper No.491, pp.27-28
②Ziderman, A. & Albrecht, D. (1995) Financing universities in developing countries.London: The Falmer Press, pp.88
③Barr, N. (2007) Financing higher education: lessons from developed economies, option for developing economies. RBCED, January 16-17, 2007. Beijing, China
④[美]D.B.约翰斯同.高等教育财政:问题与出路[M].沈红,李红桃.北京:人民教育出版社2003.263
⑤Usher, A. (2005) Global debt patterns: an international comparison of student loan burdens and repayment conditions [EB/OL]. http/www.educationalpolicy.org, pp.3
①李红桃,朱俊文.美国联邦担保学生贷款的经验及其启示[J].教育与经济,2002(4):54-58②Usher, A. (2005) Global debt patterns: an international comparison of student loan burdens and repayment conditions[EB/OL]. http/www.educationalpolicy.org,pp.10
③Usher, A. (2005) Global debt patterns: an international comparison of student loan burdens and repayment conditions[EB/OL]. http/www.educationalpolicy.org,pp.10
④沈华,沈红,黄维.学生贷款偿还负担的国际比较及我国的实证研究[J].比较教育研究,2004(10):38-43⑤Shen, H. (2004) The most urgent problem on student loan scheme in China: repayment, Harvard China Review. Harvard, Spring 2004, pp.93-97
⑥Usher, A. (2005) Global debt patterns: an international comparison of student loan burdens and repayment conditions[EB/OL]. http/www.educationalpolicy.org, pp.14-21
①刘伶俐,宋瑛.国家助学贷款还贷违约的原因与对策[J].重庆工商大学学报(西部论坛),2006年增刊
②郭荣华,龚欣,杜美妮.新视角透视国家助学贷款违约原因[J].教育科学,2006(6):65-69
③侯玉红,吴选兴.高校对助学贷款违约毕业生进行入户调查的有益探索[J].教育财会研究,2006(6):21-24
④陈国治,邹青.构建有效的国家助学贷款风险防范和化解机制——解套助学贷款回收难的思考[J].高等工程教育研究,2005(2):66-68
⑤徐兴国.日本国家大学生贷款回收保障体系研究[J].教育与经济,2007(1):64-68
①晓宏.美国是怎样防范助学贷款违约的[J].中国社会导刊2006(19):50-51;陶红.美国联邦学生贷款制度、偿还机制及违约处理[J].教育与经济,2005(1):59-61
②齐晓宁,于永双.大学生助学贷款偿还问题探讨[J].农业高等教育,2006(5):90-92
③李红桃,沈红.美国降低国家担保学生贷款拖欠率的应验及启示[J].比较教育研究,2003(1):63-66
④徐兴国.日本国家大学生贷款回收保障体系研究[J].教育与经济,2007(1):64-68
①SSNIT为Social Security and National Insurance Trust的简写,意义见正文。
②赵中建.高等学校的学生贷款[M].成都:四川教育出版社,1996.165③Ghana's Education System[EB/OL]. http://www.ghana.gov.gh/studying/education/index.php,2006-7-20
④赵中建.加纳学生贷款计划评述[J].外国教育资料,1995(1):58-63
⑤《Ghana Education Trust Fund Act 2000》[EB/OL]. www.getfund.org/aboutus/getfundact.pdf
①Students' Loan Institutions that qualify for the students' loan[EB/OL]. http://www.ssnit.com/corpDetails_n.cfm?EmpID=16&CorpID=5,2006-7-20
②Students'Loan-the borrower or the guarantor [EB/OL]. http://www.ssnit.com/corpDetails_n.cfm?EmpID=13&CorpID=5,2006-7-20
③Students'Loan-loan disbursement and repayment [EB/OL]. http://www.ssnit.com/corpDetails_n.cfm?EmpID=12&CorpID=5,2006-4-21
①Kim, A. & Lee, Y. (2004) Student loan schemes in the Republic of Korea: review and recommendations. Bangkok: UNESCO Bangkok/IIEP, pp.57-58
②张民选.理想与抉择:大学生资助政策的国际比较[M].北京:人民教育出版社,1998.304-309
③关于approved education scheme问答[EB/OL].http://mycpf.cpf.gov.sg/Members/home.htm
④张民选.理想与抉择:大学生资助政策的国际比较[M].北京:人民教育出版社,1998.183-193
⑤张民选.理想与抉择:大学生资助政策的国际比较[M].北京:人民教育出版社,1998.403-407
①张民选.关于大学生资助政策发展得比较研究[J].教育研究,2007(4):3-9
②徐莉,石晓春.助学贷款制度创新[J].高等教育研究,2006(4):30-34
③范元伟.高等教育市场化改革与机会均等[M].上海:上海教育出版社,2006.110-114
①陶迪,肖闪.助学贷款的另一种选择:由社保基金来发放贷款[J].北方经贸,2006(12):77-79
②颜立茹.由养老保险金提供助学贷款比商业银行更合适[J].保险研究,2006(7):72-73
③[美]D.B.约翰斯通.高等教育财政问题与出路[M].沈红李红桃.北京:人民教育出版社,2003.252-255
④国际教育动态专栏.美法院裁决,学生贷款可用社保救助金偿还[J].比较教育研究,2006(2):91-92
①陈一壮.包含简单性方法的复杂性方法[J].哲学研究,2004(8):64-70
②田虎伟.混合方法研究——美国教育研究方法的一种新范式[J].高等教育研究,2006(11):74-78
①徐兴国.日本国家大学生贷款回收保障体系研究[J].教育与经济,2007(1):64-68
①中国人民银行,教育部,财政部.关于国家助学贷款的管理规定(试行)(国办发[1999]58号文件)[EB/OL].1999.5.13. http://www.xszz.cee.edu.cn/show_news.jsp?id=786
②国务院办公厅.关于助学贷款管理的若干意见(国办发〔2000〕6号)[EB/OL].http://www.xs zz.cee.edu.cn/show _news.jsp?id=782,2000-2-1
①国务院办公厅.关于助学贷款管理的若干意见(国办发〔2000〕6号)[EB/OL].http://www.xs zz.ce e.edu.cn/show_news.jsp?id=782,2000-2-1
②中国人民银行助学贷款管理办法[EB/OL].http://www.edu.cn/20030904/3090361.shtml,2000-8-26
③沈华.中国国家助学贷款多元化偿还模型设计——给予高等教育个人收益率差异的计量[D].华中科技大学,2005.69
④《中国人民银行关于下达2003年度国家助学贷款指导性贷款计划的通知》(银发[2003]53号文件)中指出,对于借款人违约比例达到20%且违约人数达到20人的学校,可以暂不列入编制范围,待学校通过加强管理或代偿措施后,使其违约比例降到20%以下,再及时补充下达贷款计划
⑤中华人民共和国国家统计局2000年、2001年和2002年国民经济和社会发展的统计公报[EB/OL].http://www.stats.gov.cn/tjgb/
①教育部,财政部,人民银行,银监会.关于进一步完善国家助学贷款工作的若干意见[EB/OL].http://www. xszz.cee.edu.cn/show_news.jsp?id=773
②教育部2005年第11次新闻发布会.介绍以国家助学贷款为重点的高校贫困家庭学生资助工作有关情况[EB/OL].http://202.205.177.12/edoas/website18/info15786.htm
①国家助学贷款:机制保障是关键[EB/OL]. http://edu.people.com.cn/GB/5731864.html, 2007-11-21②国家助学贷款期待各方合力推进[EB/OL]. http://www.sannong.gov.cn/snxw/200610130054.htm.
③教育部2006年第20次新闻发布会.介绍高校资助家庭经济困难学生工作有关情况和国家助学贷款代偿资助办法[EB/OL]. http://www.edu.cn/topic_652/20060914/t20060914_196689.shtml
④全国学生资助管理中心.吉林获两亿元助学贷款[EB/OL].http://www.moe.edu.cn/edoas/website18/info24735.htm;全国学生资助管理中心.广东省与国家开发银行国家助学贷款合作业务正式启动[EB/OL]. http://www.xszz.cee.edu.cn/show_news.jsp?id=815
⑤国家助学贷款:机制保障是关键[EB/OL]. http://edu.people.com.cn/GB/5731864.html,2007-5-15/2007-11-21
①河南省国家助学贷款工作试点情况介绍——河南省教育贷款管理中心主任宋振讲话摘选[EB/OL]. http://www.csa.cee.edu.cn/(jsurbl45rpb0sg555g4edwzn)/show.aspx?articleid=505,2006-11-6
②由吉林省教育项目贷款工作办公室主任晏强提供的工作汇报材料.2007年11月19日提供.
③教育部2005年第11次新闻发布会.介绍以国家助学贷款为重点的高校贫困家庭学生资助工作有关情况[EB/OL]. http://202.205.177.12/edoas/website18/info15786.htm
①罗比良.新制度经济学[J].太原:山西经济出版社,2005.454
②曹夕多.国家助学贷款市场与信息不对称[J].北京师范大学学报(社会科学版),2006(1):33-40
①董伟.我国每年40亿份合同只有一半履约[N].中国青年报,2008年3月20日
②杜金富,张新泽,李跃等.征信理论与实践[M].北京:中国金融出版社,2004.107-110
③央视《对话》:对话央行副行长苏宁:信用有价[EB/OL].http://news.sina.com.cn/c/2007-11-19/092314337853.shtml,2007-11-20
①侯爱民.以征信系统建设为突破口打造社会诚信体系[J].广西金融研究,2005(1):47-51
②方便个人理财隐私将受保护,个人信用记录影响理财生活[EB/OL]. http://finance.sina.com.cn/stock/t/20050705/0747176976.shtml
③张小路.现代社会诚信体系及其建设[J].河北学刊,2004(5):102-106
④潘光林,郭谊.论诚信与构建和谐社会的诚信体系[J].集团经济研究2006·4下半月刊(总第196期),15-16
①个人征信系统在提高大学生信用意识、促进国家助学贷款政策实施方面的事例[EB/OL]. http://www.xszz.cee.edu.cn/show_news.jsp?id=883
②梁志强,黄颖.“学贷险”云南首次赔付[N].金融时报,2007年8月20日,第003期
③中国工商银行股份有限公司北京市分行债务催收公告[EB/OL]. http://www.chsi.com.cn/xlrz/200707/20070717/1025246.html
①中国工商银行股份有限公司广东分行营业部债务催收公告[EB/OL]. http://www.chsi.com.cn/xlrz/200611/20061121/697592.html
②广东农行登报曝光535名欠款大学生[EB/OL]. http://bbs.ustc.edu.cn/cgi/bbscon?bn=Assistant&fn=M473CF51C
③中国工商银行股份有限公司北京市分行债务催收公告[EB/OL]. http://www.chsi.com.cn/xlrz/200707/20070717/1025246.html;广东农行公开曝光500名欠款大学生[EB/OL]. http://dzh.mop.com/dwdzh/topic/readSub_1_7895967_0_0.html,2007-12-2
①河南省属高等学校国家助学贷款管理暂行办法[EB/OL]. http://www.sqzy.edu.cn/xingzhengjigou/zhuxuedaikuanguanlibangongshi/zhengcefagui/20070727/1050.html
②网络调查:大学毕业生3年内跳槽达七成[EB/OL]. http://www.china.com.cn/chinese/diaocha/1116822.htm.2006-2-9
③河南省属高等学校国家助学贷款管理暂行办法[EB/OL]. http://www.sqzy.edu.cn/xingzhengjigou/zhuxuedaikuanguanlibangongshi/zhengcefagui/20070727/1050.html
①张民选.理想与抉择-大学生资助政策的国际比较[M].北京:人民教育出版社,1998.183-193
②助学贷款,高校为何处境尴尬[EB/OL]. http://edu.people.com.cn/GB/6594873.html,2007-11-30
③河南省累计发放国家助学贷款16.6亿元——国家助学贷款“河南模式”运行良好[EB/OL]. http://www.hadoe.gov.cn/Html/jydt/2007-11/9/11091602510711916025145105937.html,2007-11-9
①赵飞,熊晓燕,朱健华.生源地助学贷款期待近水解远渴[EB/OL]. http://learning.sohu.com/20070919/n252240937.shtml
①Bereday, G. (1964) Comparative Method in Education. New York: Holt, Rinehart and Winston,P.5.转引自:张民选.理想与抉择-大学生资助政策的国际比较[M].北京:人民教育出版社,1998.8-9②King, E. (1979) Other Schools and Ours: Comparative Studies for Today, London: Holt, Rinehart and Winston, pp.42.转引自:张民选.理想与抉择-大学生资助政策的国际比较[M].北京:人民教育出版社,1998.9
③珍妮.分类背后的利益之手——联合国等国际组织关于发展中国家的分类研究[J].WTO经济导刊,2005(7):61-62
④南非概况[EB/OL]. http://news3.xinhuanet.com/ziliao/2002-06/19/content_447646.htm
⑤加纳概况[EB/OL]. http://gh.china-embassy.org/chn/ghgk/t177919.htm
⑥珍妮.分类背后的利益之手——联合国等国际组织关于发展中国家的分类研究[J].WTO经济导刊,2005(7):61-62
①南非概况[EB/OL]. http://news3.xinhuanet.com/ziliao/2002-06/19/content_447646.htm
②中国住南非使馆.教育[EB/OL]. http://www.chinese-embassy.org.za/chn/nfgk/jbqk/t248478.htm
①南非教育[EB/OL]. http://www.chinese-embassy.org.za/chn/nfgk/jbqk/t248478.htm
②NSFAS.Operational Info[EB/OL]. https://www.nsfas.org.za/web/view/general/organisation/OperationalInfo,2007-12-17③Act No.56 of 1999[EB/OL]. https://www.nsfas.org.za/resources/21/a56-99.pdf, 2007-12-16
④Jackson, R. (2002) The National Student Financial Aid Scheme of South Africa (NSFAS): How and Why it Works.in: Burton LM Mwamila, Issa Omari, Eva Mbuya eds. Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility. Tanzania: Dar-es-Salaam. pp.227-241⑤Jackson, R. (2002) The National Student Financial Aid Scheme of South Africa (NSFAS): How and Why it Works. in: Burton LM Mwamila, Issa Omari, Eva Mbuya eds.Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility. Tanzania: Dar-es-Salaam. pp.227-241
①Management Report [EB/OL]. https://www.nsfas.org.za/resources/169/ManagementReport.pdf
②Act No.56 of 1999[EB/OL]. https://www.nsfas.org.za/resources/21/a56-99.pdf,2007-12-16
③NSFAS. You can afford to dream: 10 Things you need to know about NSFAS [EB/OL]. https://www.nsfas.org.za/web/view/students/student_home/studenthome
④What Is Interest and Why does NSFAS Charge It?[EB/OL]. http://www.capegateway.gov.za/eng/pubs/public_info/S/96203/2
①Jackson, R. (2002) The National Student Financial Aid Scheme of South Africa (NSFAS): How and Why it Works. in: Burton LM Mwamila, Issa Omari, Eva Mbuya eds. Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility. Tanzania: Dar-es-Salaam. pp.227-241
②NSFAS. NSFAS Fact Sheet[EB/OL]. https://www.nsfas.org.za/web/view/general/statistics/loanstatistics;Annual Report 2007[EB/OL]. https://www.nsfas.org.za/resources/170/NSFASAnnualReport200.pdf.
①Act No.56.of 1999, Natiomal Student Financial Aid Scheme Act, 1999[EB/OL]. https://www.nsfas.org.za/resources/21/a56-99.pdf, 2007-12-16
①Management Report[EB/OL]. https://www.nsfas.org.za/resources/169/ManagementReport.pdf
②NSFAS. National Student Financial Aid Scheme, Annual Report 2007[EB/OL]. https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf, pp.11
③Act No.56.of 1999, Natiomal Student Financial Aid Scheme Act, 1999[EB/OL]. https://www.nsfas.org.za/resources/21/a56-99.pdf, 2007-12-16
①2006 Annual Report[EB/OL]. https://www.nsfas.org.za/web/view/general/reports/annual_rep2006, pp.39
②Act No.56.of 1999, Natiomal Student Financial Aid Scheme Act, 1999[EB/OL]. https://www.nsfas.org.za/resources/21/a56-99.pdf, 2007-12-16
③Act No.56.of 1999, Natiomal Student Financial Aid Scheme Act, 1999[EB/OL]. https://www.nsfas.org.za/resources/21/a56-99.pdf,2007-12-16
④NSFAS. Annual Report 2007[EB/OL]. https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf, pp.8
①NSFAS. Annual Report 2007[EB/OL]. https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf, pp.13
①Foreword: Minister of Education[EB/OL].https://www.nsfas.org.za/resources/169/ForewordMinisterofEdu.pdf
②Jackson,R.(2002)The National Student Financial Aid Scheme of South Africa (NSFAS):How and Why it Works.in: Burton LM Mwamila, Issa Omari, Eva Mbuya eds.Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility.Tanzania:Dar-es-Salaam,pp.227-241
③Demographics[EB/OL].https://www.nsfas.org.za/web/view/general/statistics/loanstatistics
④Demographics[EB/OL].https://www.nsfas.org.za/web/view/general/statistics/loanstatistics
①Jackson, R. (2002) The National Student Financial Aid Scheme of South Africa (NSFAS): How and Why it Works.in: Burton LM Mwamila, Issa Omari, Eva Mbuya eds.Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility.Tanzania:Dar-es-Salaam,pp.227-241
②Finance Report [EB/OL]. https://www.nsfas.org.za/resources/169/FinanceA.pdf
③National Student Financial Aid Scheme:Annual Report 2007[EB/OL]. https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf,pp.13
④Collections and Customer Care Report [EB/OL].https://www.nsfas.org.za/resources/169/CCC.pdf
⑤NSFAS.Annual Report 2007[EB/OL].https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf,pp.16
①NSFAS.NSFAS Fact Sheet [EB/OL].https://www.nsfas.org.za/web/view/general/statistics/loanstatistics
①Administrative Costs as a Percentage of Total Expenditure[EB/OL]. https://www.nsfas.org.za/web/view/general/statistics/loanstatistics;NSFAS.Annual Report 2007[EB/OL].https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf,pp.8
②NSFAS.National Student Financial Aid Scheme Annual Report 2007[EB/OL].https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf,21
①NSFAS.History[EB/OL].https://www.nsfas.org.za/web/view/general/information/history
①Johnstone, B. (2006) Financing Higher Education: Cost-Sharing in International Perspective.Massachusetts:Boston College Chestnut Hill,pp.215
②CEO’s Introduction[EB/OL].https://www.nsfas.org.za/resources/169/CEOsIntroduction.pdf③NSFAS.General Main Page [EB/OL].https://www.nsfas.org.za/web/view/general/general_home/generalhome
①王留栓.亚非拉十国高等教育[M].上海:上海学林出版社,2001.156
②Act No.56.of 1999, Natiomal Student Financial Aid Scheme Act,1999[EB/OL].https://www.nsfas.org.za/resources/21/a56-99.pdf.2007-12-16
③Foreword: Minister of Education[EB/OL].https://www.nsfas.org.za/resources/169/ForewordMinisterofEdu.pdf
④Jackson,R.(2002)The National Student Financial Aid Scheme of South Africa (NSFAS):How and Why it Works.in: Burton LM Mwamila, Issa Omari, Eva Mbuya eds.Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility.Tanzania:Dar-es-Salaam.pp.227-241
①NSFAS.Annual Report 2007[EB/OL].https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf.pp.14
②Act No. 56.of 1999, Natiomal Student Financial Aid Scheme Act,1999[EB/OL].https://www.nsfas.org.za/resources/21/a56-99.pdf. 2007-12-16
③how to repay nsfas?[EB/OL].http://www.capegateway.gov.za/eng/pubs/public_info/S/96203/2
④Why does NSFAS register NSFAS loanees with Credit Bureaus?[EB/OL].https://www.nsfas.org.za/web/view/students/loanees/FAQ4
⑤Collections and Customer Care Report [EB/OL].https://www.nsfas.org.za/resources/169/CCC.pdf
①NSFAS.Annual Report 2007[EB/OL]. https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf. pp.18,2008-1-12
②NSFAS.National Student Financial Aid Scheme:Annual Report 2007[EB/OL].https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf,P.17
③Information Technology Report [EB/OL].https://www.nsfas.org.za/resources/169/ITreport.pdf
④NSFAS.National Student Financial Aid Scheme:Annual Report 2007[EB/OL].https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf,pp.22
⑤Jackson,R.(2002)The National Student Financial Aid Scheme of South Africa (NSFAS):How and Why it Works.in: Burton LM Mwamila, Issa Omari, Eva Mbuya eds.Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility.Tanzania:Dar-es-Salaam.pp.227-241
①Promotion of Access to Information Act[EB/OL].https://www.nsfas.org.za/resources/164/PAIA-section51manual.pdf
②Management Report [EB/OL].https://www.nsfas.org.za/resources/169/ManagementReport.pdf,2007-12-15
①Jackson,R.(2002)The National Student Financial Aid Scheme of South Africa (NSFAS):How and Why it Works.in: Burton LM Mwamila, Issa Omari, Eva Mbuya eds.Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility.Tanzania:Dar-es-Salaam.pp.227-241
②Collections and Customer Care Report [EB/OL].https://www.nsfas.org.za/resources/169/CCC.pdf
③NSFAS.Annual Report 2007[EB/OL].https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf, pp.21,2008-1-12
①中华人民共和国驻加纳共和国大使馆.加纳概况[EB/OL].http://gh.china-embassy.org/chn/ghgk/t177919.htm
②陈仲丹.加纳:寻找现代化的根基[M].成都:四川人民出版社,2000.274
①GHANA EDUCATION TRUST FUND ACT[EB/OL].www.getfund.org/aboutus/getfundact.pdf
②Student Loans Scheme Law,1992 PNDC L.276[EB/OL].www.ssnit.com/corpDetails_n.cfm?EmpID=10&CorpID=5
③SSNIT.Students'Loan-Institutions that qualify for the students'loan[EB/OL].http://www.ssnit.com/corpDetails_n.cfm?EmpID=16&CorpID=5,2006-7-20
④SSNIT.Students' Loan - the borrower or the guarantor [EB/OL].http://www.ssnit.com/corpDetails_n.cfm?EmpID=13&CorpID=5,2006-7-20
⑤Tibuahson, K. (2003) A Review of the State Pension Scheme in Ghana[D]. City University London, http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf,pp.27⑥2006 Supplement report [EB/OL].http://www.ghana.gov.gh/dexadd/2006suppl.pdf,2006-8-10,P11
①Boatin,K.Nyarko ,E.(2006) Management and Performance Challenges Encountered in the Investment of Social Security Funds-The Experience of the Social Security and National Insurance Trust of Ghana[R].ISSA REGIONAL CONFERENCE FOR ASIA AND THE PACIFIC,New Delhi, India.www.issa.int/pdf/newdelhi06/2nyarko.ppt.2007-12-29
②Kotey, N. (1992)“Student loans in Ghana”. Hihger Education, Vol.23,No.4 pp.453
①Chapman,B.(2005)Income Related Student Loans: Concepts, International Reforms and Administrative Challenges[M].Springer Netherlands,pp.79-103;Chapman,B.(2005)Income Contingent Loans for Higher Education:International Reform.Discussion Paper No.491
②STUDENT LOANS SCHEME LAW,1992 PNDC L.276 [EB/OL].ssnit.com/corpDetails_n.cfm?EmpID=10&CorpID=3.2006-3-27
③Tibuahson,K.(2003) A Review of the State Pension Scheme in Ghana[D].City University London,
①STUDENT LOANS SCHEME LAW,1992 PNDC L.276 [EB/OL].ssnit.com/corpDetails_n.cfm?EmpID=10&CorpID=3;SSNIT.Students' Loan - loan disbursement and repayment [EB/OL].http://www.ssnit.com/corpDetails_n.cfm?EmpID=12&CorpID=5,2006-7-20.
②Nortey,O.(2002) Students'loan Scheme:The Ghanaian Experience[C].International Conference on Financing of Higher Education in Eastern and Southern Africa[C],25th-26th March 2002,pp.211-221
①Nortey,O.(2002)Students'loan Scheme:The Ghanaian Experience[C].International Conference on Financing of Higher Education in Eastern and Southern Africa 25th-26th March,pp.211-221
②Rossouw,H.(2001)Bad Loans Burden Ghana's Student Aid.The Chronicle of Higher Education,Washington,No.2,Vol.48,pp.63
①Woodhall,M.Student Loans as a Means of Financing Higher Education- Lessons from International Experience[EB/OL].http://www-wds.worldbank.org/external/default/main?pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187511&theSitePK=523679&entityID=000178830_98101903420656&searchMenuPK=64187511&theSitePK=523679
②Ernest Harsch.Ghana grapples with university fees- National debate is launched over“cost-sharing”dilemmas[EB/OL].www.un.org/ecosocdev/geninfo/afrec/subjindx/142educ5.htm
③Nortey, O. (2002) Students'loan Scheme-The Ghanaian Experience[C]. International Conference on Financing of Higher Education in Eastern and Southern Africa 25th-26th March 2002, pp.211-221
④Samoff, J. & Carrol, B. From Manpower Planning To The Knowledge Era: World Bank Policies on Higher Education in Africa[EB/OL]. http://aafaq.kfupm.edu.sa/features/Carrol.pdf#search=%22From%20Manpower%20Planning%20To%20The%20Knowledge%20Era%3A%20World%20Bank%20Policies%20on%20Higher%20Education%20in%20Africa%22,pp.27
①Statistics in Brief [EB/OL]. http://www.uis.unesco.org/profiles/EN/EDU/countryProfile_en.aspx?code=2880.2004
②赵中建.高等学校的学生贷款[M].成都:四川教育出版社,1996.165
③GHANA'S EDUCATION SYSTEM[EB/OL].http://www.ghana.gov.gh/studying/education/index.php,2006-7-20
④Ghana government.Ghana's education system [EB/OL].http://www.ghana.gov.gh/studying/education/index.php.2006-7-20
⑤Effah,P.Country Higher Education Profiles Ghana[EB/OL].http://www.bc.edu/bc_org/avp/soe/cihe/inhea/profiles/Ghana.htm,2006-07-12
①Nortey,O.(2002)Students'loan Scheme-The Ghanaian Experience[C].International Conference on Financing of Higher Education in Eastern and Southern Africa 25th-26th March,pp.211-221
②SSNIT.Loan disbursement and repayment[EB/OL].http://www.ssnit.com/corpDetails_n.cfm?EmpID=12&CorpID=5.2006-4-21
①加纳概况[EB/OL].http://gh.china-embassy.org/chn/ghgk/t177919.htm
①Tibuahson, K. (2003) A Review of the State Pension Scheme in Ghana[D]. City University London,http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf, pp.27
②Tibuahson, K. (2003) A Review of the State Pension Scheme in Ghana[D]. City University London, http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf, pp.25
③Tibuahson, K. (2003) A Review of the State Pension Scheme in Ghana[D]. City University London, http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf, pp.26-27
④Tibuahson, K. (2003) A Review of the State Pension Scheme in Ghana[D]. City University London,http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf,pp.29
⑤Court orders companies to pay debt to SSNIT[EB/OL].http://www.ssnit.com./news_ssnit.cfm?departmentID=1,2006/04/21
①Tibuahson,K.(2003)A Review of the State Pension Scheme in Ghana[D].City University London,http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf,pp.7
②Tibuahson,K.(2003)A Review of the State Pension Scheme in Ghana[D].City University London,http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf,pp.7
①N.Kotey.“Student loans in Ghana”.Hihger Education ,Vol.23,1992.453
②UNESCO institute fort statistics. Statistics in Brief -Education in Ghana[EB/OL].http://www.uis.unesco.orpg/rofiles/EN/EDU/countryProfile_en.aspx?code=2880 2006/5/20
③赵中建.高等学校的学生贷款[M].成都:四川教育出版社,1996.168
④Ghana government.Ghana's education system[EB/OL]. http://www.ghana.gov.gh/studying/education/index.php,2006-7-20
⑤Paul Effah.Country Higher Education Profiles Ghana[EB/OL].http://www.bc.edu/bc_org/avp/soe/cihe/inhea/profiles/Ghana.htm
①Francis Atuahene.Higher Education Finance in Ghana[EB/OL] http://www.bc.edu/bc_org/avp/soe/cihe/newsletter/Number50/p20_Atuahene.htm
②Tibuahson, K. (2003) A Review of the State Pension Scheme in Ghana[D]. City University London,http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf, pp.1
①徐兴国.日本国家大学生贷款回收保障体系研究[J].教育与经济,2007(1):64-68
①Tibuahson, K. (2003) A Review of the State Pension Scheme in Ghana[D].City University London, http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf, pp.ⅳ
②Nortey,O.(2002)Students'loan Scheme:The Ghanaian Experience[C].International Conference on Financing of Higher Education in Eastern and Southern Africa 25th-26th March 2002, pp.211-221
③Highlights of discussions[C]. International Conference on Financing of Higher Education in Eastern and Southern Africa, 2002. pp.4-57
④梁爱华,沈红.加纳养老金学生贷款及其失败原因分析[J].现代教育科学,2007(1):44-47
①迈克尔A.希特,C.切特·米勒,安瑞妮·科勒拉.组织行为学——基于战略的方法[M].冯云霞,笪鸿安,陈志宏.北京:机械工业出版社,2007.8
②[美]戴维·波普诺.社会学(第十版)[M].李强.北京:中国人民大学出版社,1999.189
③[美]戴维·波普诺.社会学(第十版)[M].李强.北京:中国人民大学出版社,1999.190
④赵莉琴,郭跃显,李英.组织行为学理论与案例[M].北京:中国铁道出版社,2005.196-199
⑤迈克尔A.希特,C.切特·米勒,安瑞妮·科勒拉.组织行为学——基于战略的方法[M].冯云霞,笪鸿安,陈志宏.北京:机械工业出版社,2007.285
①[英]戴维·布坎南,安德烈·赫钦斯盖.组织行为学[M].李丽,闫长坡,何玉林等.北京:经济管理出版社,2005.563
①迈克尔A.希特,C.切特·米勒,安瑞妮·科勒拉.组织行为学——基于战略的方法[M].冯云霞,笪鸿安,陈志宏.北京:机械工业出版社,2007.290
②朱顺泉.管理信息系统教程[M].北京:清华大学出版社,2006.10
①朱顺泉.管理信息系统教程[M].北京:清华大学出版社,2006.14
①Education Lenders and Student Loans[EB/OL].www.finaid.org/loans/educationlenders.phtm
②李红桃,沈红.美国降低国家担保学生贷款拖欠率的经验及启示[J].比较教育研究,2003(1):63-66
③李惠清.美法院裁决学生贷款可用社保救助金偿还[J].比较教育研究,2006(2):91-92
④林钧跃.社会信用体系原理[M].北京:中国方正出版社,2002.43-44
⑤杜金富,张新泽,李跃等.征信理论与实践[M].北京:中国金融出版社,2004.14-19
①林钧跃.社会信用体系原理[M].北京:中国方正出版社,2002.57
②林钧跃.社会信用体系原理[M].北京:中国方正出版社,2002.50-55
③张岸元.穷人没有产权、信誉和经营才能吗?——对张维迎先生学术观点的质疑[A].梁正,卿志琼,陆长平等.中国十位著名经济学家批判[C].上海:学林出版社,2002:160-185
④林钧跃.社会信用体系原理[M].北京:中国方正出版社,2002.38-39
①STUDENT LOANS SCHEME LAW,1992 PNDC L.276 [EB/OL].ssnit.com/corpDetails_n.cfm?EmpID=10&CorpID=3.2006-3-27
②National Credit Act [No.34 of 2005][EB/OL].www.info.gov.za/gazette/acts/2005/a34-05.pdf
③文年.远行南非随笔[EB/OL].http://www.bt163.net/btwx/nfyx.htm
①Act No.56 of 1999[EB/OL].https://www.nsfas.org.za/resources/21/a56-99.pdf.2007-12-16
①Act No.56.of 1999, NATIONAL STUDENT FINANCIAL AID SCHEME ACT, 1999 [EB/OL]. https://www.nsfas.org.za/resources/21/a56-99.pdf,2007-12-16
②[新加坡]林志颂,[美]理查德·L·德特.领导学[M].顾棚兰,谢飞,姜涛等.北京:中国人民大学出版社,2007.256
①赵莉琴,郭跃显,李英.组织行为学理论与案例[M].北京:中国铁道出版社,2005.173
②NSFAS.Annual Report 2007[EB/OL].https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf,pp.23-27
①Act No.56.of 1999, NATIONAL STUDENT FINANCIAL AID SCHEME ACT,1999 [EB/OL].https://www.nsfas.org.za/resources/21/a56-99.pdf. 2007-12-16
①STUDENT LOANS SCHEME LAW,1992 PNDC L.276 [EB/OL].ssnit.com/corpDetails_n.cfm?EmpID=10&CorpID=3.2006-3-27
①养老改革发展的新形势[R].武汉:2007年和谐社会构建与社会保障国际论坛,2007
①金保工程[EB/OL].http://www.china.org.cn/chinese/zhuanti/492090.htm
①关于印发2008年金保工程建设工作要点的通知(劳社信息函〔2008〕5号)[EB/OL].http://www.molss.gov.cn/gb/zt/2008-02/19/content_225126.htm
①中共中央办公厅国务院办公厅印发.《2006-2020年国家信息化发展战略》[EB/OL].http://www.economicdaily.com.cn/no1/newsmore/200605/09/t20060509_120618.shtml
②劳动和社会保障部副部长刘永富做客强国[EB/OL].http://www.people.com.cn/GB/32306/33093/76070/76072/index.html,2006-12-20
①中国社会保障记者.跨越发展的五年:十六大以来社会保险事业发展回顾[J].中国社会保障,2007(10):17-20
②人力资源社会保障部公布一季度就业和社保情况[EB/OL].http://www.mohrss.gov.cn/mohrss/Desktop.aspx?path=/mohrss/InfoView&gid=8f371369-943b-40ef-ac66-15dbd6bf0c0b&tid=Cms_Info.2008-4-18
③汤耀国,郭久辉,郑黎.事业单位养老保险改革艰难的探索[J].社会保障研究,2006(9):22-33
④劳动和社会保障事业发展“十一五”规划纲要[EB/OL]http://www.molss.gov.cn/gb/zt/2006-11/08/content_146879.htm
①劳动和社会保障部民政部答记者问[EB/OL].http://news.cn.yahoo.com/08-03-/1028/2ixql.html
②劳动保障部:2020年所有居民均能“老有所养”[EB/OL].http://www.molss.gov.cn/gb/news/2007-11/12/content_208913.htm③中国社会保障记者.跨越发展的五年:十六大以来社会保险事业发展回顾[J].中国社会保障,2007(10):17-20
④人力资源社会保障部公布一季度就业和社保情况[EB/OL].http://www.mohrss.gov.cn/mohrss/Desktop.aspx?path=/mohrss/InfoView&gid=8f371369-943b-40ef-ac66-15dbd6bf0c0b&tid=Cms_Info.2008-4-18
⑤顾昕.城镇居民医保:筹资与付费两手抓[J].中国社会保障,2007(5):10-12
⑥胡晓义.把好事办好办实—关于城镇居民基本医疗保险制度的思考[J].中国社会保障,2007(11):16-19
⑦张莹.2007年中国卫生十大新闻揭晓“人人享有基本医疗卫生服务”居首[N].光明日报2008-1-11,第6版
①国务院关于开展城镇居民基本医疗保险试点的指导意见(国发〔2007〕20号)[EB/OL].http://www.gov.cn/zwgk/2007-07/24/content_695118.htm
②巩固成果加大力度加快推进城镇居民基本医疗保险试点工作——吴仪副总理在国务院城镇居民基本医疗,保险扩大试点工作电视电话会议上的讲话[EB/OL].http://news.163.com/08/0226/17/45L4NNAQ000120GU.html
③中国社会保障记者.跨越发展的五年:十六大以来社会保险事业发展回顾[J].中国社会保障,2007(10):17-20
④人力资源社会保障部公布一季度就业和社保情况[EB/OL].http://www.mohrss.gov.cn/mohrss/Desktop.aspx?path=/mohrss/InfoView&gid=8f371369-943b-40ef-ac66-15dbd6bf0c0b&tid=Cms_Info.2008-4-18
①社会保险法草案23日首次提请全国人大常委会审议[EB/OL].http://www.molss.gov.cn/gb/news/2007-12/25/content_216509.htm
②关于印发华福周副部长在全国部分地区金保工程建设座谈会上的讲话的通知(劳社信息函〔2006〕13号)[EB/OL].http://www.molss.gov.cn/gb/zt/2006-05/24/content_117362.htm
③周立权,丁文杰.社保资金征缴体制的"二元结构"当终结[N].经济参考报,2008年3月3日
①关于印发社会保障卡建设总体规划的通知(劳社部函〔1999〕213号)[EB/OL].http://www.law-lib.com/law/law_view.asp?id=167767
②关于印发劳动和社会保障信息化建设“十一五”规划的通知(劳社部发〔2007〕15号)[EB/OL].http://www.molss.gov.cn/gb/zt/2007-05/31/content_180052.htm
③劳动和社会保障事业发展“十一五”规划纲要(2006-2010年)[EB/OL].http://www.molss.gov.cn/gb/zt/2006-11/08/content_146879.htm
①《全面推进劳动合同制度实施三年行动计划》(劳社部发〔2006〕13号)[EB/OL].http://www.molss.gov.cn/gb/zxwj/2006-05/17/content_116669.htm
②黄利.新劳动合同法力破劳资失衡怪局[J].新华月报,2007(8)(上半月):28-29.
③田成平在全国劳动保障工作会议暨全国劳动保障系统优质服务窗口单位表彰会上的讲话[EB/OL].http://www.molss.gov.cn/gb/news/2007-12/21/content_215712.htm
④国务院机构改革新组建五个部两个局[EB/OL].http://news.qq.com/a/20080311/006997.htm
⑤人力资源和社会保障部主要负责人及领导班子组成[EB/OL].http://www.gov.cn/rsrm/2008-03/21/content_925689.htm
①贾洪波,温源.基本养老金替代率优化分析[J].中国人口科学,2005(1):81-87年)[EB/OL].http://www.molss.gov.cn/gb/zt/2006-11/08/content_146879.htm
①《全面推进劳动合同制度实施三年行动计划》(劳社部发〔2006〕13号)[EB/OL].http://www.molss.gov.cn/gb/zxwj/2006-05/17/content_116669.htm
②黄利.新劳动合同法力破劳资失衡怪局[J].新华月报,2007(8)(上半月):28-29.
③田成平在全国劳动保障工作会议暨全国劳动保障系统优质服务窗口单位表彰会上的讲话[EB/OL].http://www.molss.gov.cn/gb/news/2007-12/21/content_215712.htm
④国务院机构改革新组建五个部两个局[EB/OL].http://news.qq.com/a/20080311/006997.htm
⑤人力资源和社会保障部主要负责人及领导班子组成[EB/OL].http://www.gov.cn/rsrm/2008-03/21/content_925689.htm
①信息传真.近年来我国社会保险基本情况[J].社会保障制度,2008(2):78
②养老改革发展的新形势[R].武汉:2007年和谐社会构建与社会保障国际论坛,2007
③北京大学课题组.2007年高校毕业生就业状况的调查统计[EB/OL].http://www.gse.pku.edu.cn/jianbao/200706.htm
①郑秉文.社保立法应考虑征缴模式选择的约束性[J].社会保障制度,2008(1):23-27
[1] [美]D.B.约翰斯同.高等教育财政问题与出路[M].沈红李红桃.北京:人民教育出版社,2003
[2] [美]戴维·波普诺.社会学[M].李强.北京:中国人民大学出版社,1999,10
[3] [美]弗兰克·H.奈特.风险、不确定性与利润[M].安佳.北京:商务印书馆,2006
[4] [美]弗雷德里克·S·米什金.货币金融学[M].刘毅,蒋理,王秀萍等.北京:中国人民大学出版社,2005,6
[5] [美]林南.社会资本:关于社会结构与行动的理论[M].张磊.上海:上海人民出版社,2004
[6] [新加坡]林志颂,[美]理查德·L·德特.领导学[M].顾棚兰,谢飞,姜涛等.北京:中国人民大学出版社,2007
[7] [英]伯纳得·伯恩斯·变革管理[M].冉德君,钱春萍,周德昆.北京:中国市场出版社,2007,4
[8] [英]戴维·布坎南,安德烈·赫钦斯盖.组织行为学[M].李丽,闫长坡,何玉林等.北京:经济管理出版社,2005
[9]曹信邦,刘伟忠,杨文建.社会保障学[M].北京:科学出版社,2007
[10]陈仲丹.加纳:寻找现代化的根基[M].成都:四川人民出版社,2000
[11]杜金富,张新泽,李跃等.征信理论与实践[M].北京:中国金融出版社,2004
[12]法律出版社法规中心组.社会保险纠纷处理依据小全书[M],北京:法律出版社,2007
[13]范元伟.高等教育市场化改革与机会均等[M].上海:上海教育出版社2006
[14]库少雄,(美)Hobart A.Burch.社会福利政策分析与选择[M].武汉:华中科技大学出版社,2006
[15]李曙光.个人信用评估研究[M].北京:中国金融出版社,2008
[16]李珍,孙永勇,张昭华.中国社会养老保险基金管理体制选择——以国际比较为基础[M].北京:人民出版社,2005
[17]林钧跃.社会信用体系原理[M].北京:中国方正出版社,2002
[18]刘精明.国家、社会阶层与教育:教育获得的社会学研究[M].北京:中国人民大学出版社,2005
[19]卢现祥(主编).新制度经济学[M].武汉:武汉大学出版社,2004
[20]罗比良.新制度经济学[M].太原:山西经济出版社,2005
[21]迈克尔A.希特,C.切特·米勒,安瑞妮·科勒拉.组织行为学——基于战略的方法[M].冯云霞,笪鸿安,陈志宏.北京:机械工业出版社,2007
[22]闵维方(主编).探索教育变革:经济学和管理政策的视角[M].北京:教育科学出版社,2005
[23]王留栓.亚非拉十国高等教育[M].上海:上海学林出版社,2001
[24]萧今.发展经济中的人力资本—企业的策略与三原教育体系[M].北京:北京师范大学出版社,2004
[25]辛树森,许会斌.个人信贷[M].北京:中国金融出版社,2007
[26]杨明.政府与市场:高等教育财政政策研究[M].浙江:浙江教育出版社,2007
[27]杨燕绥,阎中兴等.政府与社会保障——关于政府社会保障责任的思考[M].北京:中国劳动社会保障出版社,2007
[28]叶响裙.中国社会养老保障:困境与抉择[M].北京:社会科学文献出版社,2004
[29]袁志刚(主编).养老保险经济学[M].上海:上海人民出版社,2005
[30]张岸元.穷人没有产权、信誉和经营才能吗?——对张维迎先生学术观点的质疑[A].梁正,卿志琼,陆长平等.中国十位著名经济学家批判[C].上海:学林出版社,2002
[31]张民选.理想与抉择-大学生资助政策的国际比较[M].北京:人民教育出版社,1998
[32]赵莉琴,郭跃显,李英.组织行为学理论与案例[M].北京:中国铁道出版社,2005
[33]赵曼.社会保障[M].北京:中国财政经济出版社,2005
[34]赵人伟,赖德胜,魏众.中国经济转型和社会保障改革[M].北京:北京师范大学出版社,2006
[35]赵中建.高等学校的学生贷款——国际比较研究[M]成都:四川教育出版社,1996
[36]郑功成.社会保障学——理念、制度、实践与思辨[M].北京:商务印书馆,2000
[37]郑伟.中国社会养老保险:制度变迁与经济效益[M].北京:北京大学出版社,2005
[38]朱顺泉.管理信息系统教程[M].北京:清华大学出版社,2006
[39]北京大学课题组.2007年高校毕业生就业状况的调查统计[EB/OL]. http://www.gse.pku.edu.cn/jianbao/200706.htm,2007-12-20
[40]北京大学“高等教育规模扩展与劳动力市场”课题组.2005年高校毕业生就业状况的调查分析[C].桂林:2005年中国教育经济学年会会议论文,2005
[41]北京大学课题组.2007年高校毕业生就业状况的调查统计[EB/OL]. http://www.gse.pku.edu.cn/jianbao/200706.htm
[42]财政部教育部国家开发银行关于在部分地区开展生源地信用助学贷款试点的通知(财教〔2007〕135号)[EB/OL]. http://www.xszz.cee.edu.cn/show_news.jsp?id=1347
[43]曹夕多.国家助学贷款市场与信息不对称[J].北京师范大学学报(社会科学版),2006(1):33-40
[44]陈国治,邹青.构建有效的国家助学贷款风险防范和化解机制——解套助学贷款回收难的思考[J].高等工程教育研究,2005(2) :66-68
[45]陈一壮.包含简单性方法的复杂性方法[J].哲学研究,2004(8) :64-70
[46]大学毕业生欠贷官司戏剧性变化耐人寻味. http://www.cas.ac.cn/html/Dir/2006/02/28/13/80/38.htm
[47]方便个人理财隐私将受保护,个人信用记录影响理财生活[EB/OL].http://finance.sina.com.cn/stock/t/20050705/0747176976.shtml
[48]个人征信系统在提高大学生信用意识、促进国家助学贷款政策实施方面的事例[EB/OL]. http://www.xszz.cee.edu.cn/show_news.jsp?id=883
[49]根据“教育部2006年第16次新闻发布会——介绍资助高校贫困家庭学生工作的有关情况”中的有关数据计算而得. http://www.moe.gov.cn/edoas/website18/ info20941.htm
[50]工商行网上公布欠款大学生信息惹争议.中国青年报[N].2007年7月22日,第二版
[51]巩固成果加大力度加快推进城镇居民基本医疗保险试点工作——吴仪副总理在国务院城镇居民基本医疗保险扩大试点工作电视电话会议上的讲话[EB/OL].http://news.163.com/08/0226/17/45L4NNAQ000120GU.html
[52]顾昕.城镇居民医保:筹资与付费两手抓[J].中国社会保障,2007(5) :10-12;教育动态专栏.美法院裁决,学生贷款可用社保救助金偿还[J].比较教育研究,2006(2) :91-92
[53]关于approved education scheme问答. http://mycpf.cpf.gov.sg/Members/ home. htm
[54]关于印发2008年金保工程建设工作要点的通知(劳社信息函〔2008〕5号)[EB/OL]. http://www.molss.gov.cn/gb/zt/2008-02/19/content_225126.htm
[55]关于印发华福周副部长在全国部分地区金保工程建设座谈会上的讲话的通知(劳社信息函(2006)13号)[EB/OL]. http://www.molss.gov.cn/gb/zt/2006-05/24/content_117362.htm
[56]关于印发劳动和社会保障信息化建设“十一五”规划的通知(劳社部发〔2007〕15号) http://www.molss.gov.cn/gb/zt/2007-05/31/content_180052.htm
[57]关于印发社会保障卡建设总体规划的通知(劳社部函〔1999〕213号)[EB/OL]. http://www.law-lib.com/law/law_view.asp?id=167767
[58]广东农行登报曝光535名欠款大学生. http://bbs.ustc.edu.cn/cgi/bbscon?bn= Assistant&fn=M473CF51C
[59]广东农行公开曝光500名欠款大学生[EB/OL]. http://dzh.mop.com/dwdzh/topic/ readSub_1_7895967_0_0.html,2007-11-16
[60]广东银行叫停助学贷款贫困生贷款违约率超20%. http://news.huash. com/gb/news/ 2004-04/21/content_974973.htm
[61]郭荣华,龚欣,杜美妮.新视角透视国家助学贷款违约原因[J].教育科学,2006(6) :65-69
[62]国家开发银行河南省分行开展国家助学贷款试点工作情况介绍——国家开发银行河南省分行刘浩讲话摘选[EB/OL]. http://www.xszz.cee.edu.cn/ show_news.jsp?id=873
[63]国家协调劳动关系三方会议副主席陈兰通在推进劳动合同制度实施三年行动计划视频会议上的讲话[EB/OL]. http://www.molss.gov.cn/gb/zt/2006-07/25/ content_125211.htm
[64]国家助学贷款:机制保障是关键[EB/OL]. http://edu.people.com.cn/GB/5 731864.html,2007-5-15/2007-11-21
[65]国家助学贷款财政贴息管理办法[EB/OL]. http://www.chsi.com.cn/gjzxdk/zc/ 200505/20050527/27317.html
[66]国家助学贷款风险补偿专项资金管理办法[EB/OL].http://www.chsi.com.cn/ gjzxdk/zc/200505/20050527/27316.html
[67]国家助学贷款期待各方合力推进[EB/OL]. http://www.sannong.gov.cn/ snxw/200610130054.htm.
[68]国务院办公厅.关于助学贷款管理的若干意见(国办发〔2000〕6号). http://www.xs zz.ce e.edu.cn/show_news.jsp?id=782,2000-2-1
[69]国务院关于开展城镇居民基本医疗保险试点的指导意见(国发〔2007〕20号)[EB/OL]. http://www.gov.cn/zwgk/2007-07/24/content_695118.htm
[70]国务院机构改革新组建五个部两个局[EB/OL]. http://news.qq.com/a/ 20080311/006997.htm
[71]河南省国家助学贷款工作试点情况介绍——河南省教育贷款管理中心主任宋振讲话摘选[EB/OL]. http://www.csa.cee.edu.cn/(jsurbl45rpb0sg555g4edwzn)/ show.aspx?articleid=505,2006-11-6
[72]河南省累计发放国家助学贷款16.6亿元——国家助学贷款“河南模式”运行良好[EB/OL]. http://www.hadoe.gov.cn/Html/jydt/2007-11/9/ 11091602510711916025145105937.html, 2007-11-9
[73]河南省属高等学校国家助学贷款管理暂行办法[EB/OL]. http://www.sqzy.edu.cn/xingzhengjigou/zhuxuedaikuanguanlibangongshi/zhengcefagui/20070727/1050.html
[74]侯爱民.以征信系统建设为突破口打造社会诚信体系[J].广西金融研究,2005(1) :47-51
[75]侯玉红,吴选兴.高校对助学贷款违约毕业生进行入户调查的有益探索[J].教育财会研究,2006(6) :21-24
[76]胡晓义.把好事办好办实——关于城镇居民基本医疗保险制度的思考[J].中国社会保障,2007(11) :16-19
[77]黄敬宝.国家助学贷款:问题、原因与对策[J].现代金融,2006(3):3-5
[78]黄利.新劳动合同法力破劳资失衡怪局[J].新华月报,2007(8):28-29
[79]加纳概况[EB/OL]. http://gh.china-embassy.org/chn/ghgk/t177919.htm
[80]教育部、财政部、人民银行、银监会.关于进一步完善国家助学贷款工作的若干意见[EB/OL]. http://www.xszz.cee.edu.cn/show_news.jsp?id=773
[81]教育部.2006年全国教育事业发展统计公报[EB/OL]. http://www.moe.edu.cn/edoas/website18/info29052.htm
[82]教育部2005年第11次新闻发布会.介绍以国家助学贷款为重点的高校贫困家庭学生资助工作有关情况[EB/OL]. http://202.205.177.12/edoas/website18/info15786.htm
[83]教育部2006年第16次新闻发布会介绍资助高校贫困家庭学生工作的有关情况[EB/OL]. http://www.moe.gov.cn/edoas/website18/info20941.htm
[84]教育部2006年第20次新闻发布会.介绍高校资助家庭经济困难学生工作有关情况和国家助学贷款代偿资助办法[EB/OL]. http://www.edu.cn/topic_652/20060914/t20060914_196689.shtml
[85]教育部发布会:寻解决助学贷款高违约率机制[EB/OL]. http://www.jyb.com.cn/zs/gxzs/ptgxzs/zszx/t20060915_37356.htm
[86]金保工程[EB/OL]. http://www.china.org.cn/chinese/zhuanti/492090.htm
[87]劳动保障部: 2020年所有居民均能“老有所养”[EB/OL].http://www.molss.gov.cn/gb/news/2007-11/12/content_208913.htm
[88]劳动保障部将进一步加大协调劳动关系工作力度[EB/OL]. http://www.gov.cn/wszb/zhibo163/content_781652.htm,2007-10-22
[89]劳动和社会保障部副部长刘永富做客强国[EB/OL]. http://www.people.com.cn/GB/32306/33093/76070/76072/index.html,2006-12-20
[90]劳动和社会保障部民政部答记者问[EB/OL]. http://news.cn.yahoo.com/08-03-/1028/2ixql.html
[91]劳动和社会保障事业发展“十一五”规划纲要(2006年-2010年)(国发[2006]35号)[EB/OL]. http://www.molss.gov.cn/gb/zt/2006-11/08/content_146879.htm
[92]李红桃,沈红.美国降低国家担保学生贷款拖欠率的应验及启示[J].比较教育研究,2003(1) :63-66
[93]李红桃,朱俊文.美国联邦担保学生贷款的经验及其启示[J].教育与经济,2002(4) :54-58
[94]李惠清.美法院裁决学生贷款可用社保救助金偿还[J].比较教育研究,2006(2) :91-92
[95]李战鹰.学生贷款制的是与非——国际上关于学生贷款问题的争议[J].比较教育研究,1998(2) :15-18
[96]梁爱华,沈红.加纳养老金学生贷款及其失败的原因分析[J].现代教育科学,2007(2) :44-47
[97]梁爱华,沈红.美国特别津贴及其启示[J].高等工程教育研究,2007(1) :94-96
[98]梁爱华.我国商业银行学生贷款中的“惜贷”问题探讨——以美国联邦家庭教育贷款为参考[J].高等教育研究,2006(12):50-54
[99]刘丽芳,沈红.“按收入比例还款”的国际争议[J].教育与经济,2006(2) :36-38
[100]刘铮、周婷玉、崔静.社会保险法草案23日首次提请全国人大常委会审议[EB/OL]. http://www.molss.gov.cn/gb/news/2007-12/25/content_216509.htm
[101]卢乃桂,柯政.教育政策研究的类别、特征和启示[J].比较教育研究,2007(2) :27-31
[102]南非概况[EB/OL]. http://news3.xinhuanet.com/ziliao/2002-06/19/content_447646.htm
[103]南非教育. http://www.chinese-embassy.org.za/chn/nfgk/jbqk/t248478.htm
[104]潘光林,郭谊.论诚信与构建和谐社会的诚信体系[J].集团经济研究2006(4)(总第196期) :15-16
[105]齐晓宁,于永双.大学生助学贷款偿还问题探讨[J].农业高等教育,2006(5) :90-92
[106]全国社会保障基金投资管理暂行办法(财政部令第12号)[EB/OL]. http://finance.sina.com.cn/y/20011220/156953.html
[107]全国学生资助管理中心.广东省与国家开发银行国家助学贷款合作业务正式启动[EB/OL]. http://www.xszz.cee.edu.cn/show_news.jsp?id=815
[108]全国学生资助管理中心.吉林获两亿元助学贷款[EB/OL]. http://www.moe.edu.cn/edoas/website18/info24735 .htm;
[109]人力资源和社会保障部主要负责人及领导班子组成[EB/OL]. http://www.gov.cn/rsrm/2008-03/21/content_925689.htm
[110]人力资源社会保障部公布一季度就业和社保情况[EB/OL]. http://www.mohrss.gov.cn/mohrss/Desktop.aspx?path=/mohrss/InfoView&gid=8f371369-943b-40ef-ac66-15dbd6bf0c0b&tid=Cms_Info.2008-4-18
[111]任辉.韩国开展助学贷款对我国的启示[J].经济师,2006(2) :84-85
[112]上海:银行大规模起诉欠贷大学生首批涉百人[EB/OL]. http://news.xinhuanet.com/legal/2006-09/04/content_5046938.htm.
[113]沈华,沈红,黄维.学生贷款偿还负担的国际比较及我国的实证研究[J].比较教育研究,2004(10) :38-43
[114]沈华.中国国家助学贷款多元化偿还模型设计——给予高等教育个人收益率差异的计量[D].华中科技大学,2005
[115]汤耀国,郭久辉,郑黎.事业单位养老保险改革艰难的探索[J].社会保障研究,2006(9) :22-33
[116]陶迪,肖闪.助学贷款的另一种选择:由社保基金来发放贷款[J].北方经贸,2006(12) :77-79
[117]陶红.美国联邦学生贷款制度、偿还机制及违约处理[J].教育与经济,2005(1) :59-61
[118]田成平:全国参加工伤保险的企业职工已达1.15亿人[EB/OL]. http://finance.people.com.cn/GB/8215/59386/6455390.html
[119]田成平在全国劳动保障工作会议暨全国劳动保障系统优质服务窗口单位表彰会上的讲话[EB/OL]. http://www.molss.gov.cn/gb/news/2007-12/21/content_215712.htm
[120]田虎伟.混合方法研究——美国教育研究方法的一种新范式[J].高等教育研究,2006(11) :74-78
[121]王建红.对国家助学贷款政策的思考与建议[J].西安金融,2006(11) :43-44
[122]网络调查:大学毕业生3年内跳槽达七成[EB/OL].http://www.china.com.cn/chinese/diaocha/1116822.htm.2006-2-9
[123]文年.远行南非随笔[EB/OL]. http://www.bt163.net/btwx/nfyx.htm
[124]我国今年稳步推进新型农村社会养老保险制度[EB/OL]. http://www.cctv.com/news/xwlb/20060110/101968.shtml
[125]项怀诚:社保政策改革机遇与挑战[EB/OL]. http://www.crifs.org.cn,2008.1.2
[126]晓宏.美国是怎样防范助学贷款违约的[J].中国社会导刊2006(19) :59-61
[127]肖华茵,季俊杰,沈红.国家助学贷款利率政策的实施效应[J].高等工程教育研究,2007(3) :69-73
[128]肖新生.建立长效激励约束机制推进我省国家助学贷款业务的持续健康发展[RB/OL]. http://www.xszz.cee.edu.cn/show_news.jsp?id=10002006-3-9
[129]信息传真.近年来我国社会保险基本情况[J].社会保障制度,2008(2):78
[130]新设人力资源和社会保障部:主要职能见分晓[EB/OL]. http://news3.xinhuanet.com/politics/2008-04/01/content_7894957.htm
[131]徐莉,石晓春.助学贷款制度创新[J].高等教育研究,2006(4) :30-34
[132]徐兴国.日本国家大学生贷款回收保障体系研究[J].教育与经济,2007(1) :64-68
[133]学生欠助学贷款被判助贷违约率达28.4%[EB/OL]. http://www.edu.cn/20060522/3191131.shtml
[134]颜立茹.由养老保险金提供助学贷款比商业银行更合适[J].保险研究,2006(7) :72-73
[135]央视《对话》:对话央行副行长苏宁——信用有价[EB/OL]. http://news.sina.com.cn/c/2007-11-19/092314337853.shtml,2007-11-19/2007-11-20
[136]养老改革发展的新形势[R].武汉:2007年和谐社会构建与社会保障国际论坛,2007
[137]岳昌君.2007年高校毕业生就业状况抽样调查分析[R].北京:教育经济学年会,2007
[138]张民选.关于大学生资助政策发展得比较研究[J].教育研究,2007(4) :3-9
[139]张小路.现代社会诚信体系及其建设[J].河北学刊,2004(5) :102-106
[140]赵飞,熊晓燕,朱健华.“生源地助学贷款”期待“近水解远渴”[EB/OL]. http://learning.sohu.com/20070919/n252240937.shtml
[141]赵中建.加纳学生贷款计划评述[J].外国教育资料,1995(1) :58-63
[142]珍妮.分类背后的利益之手——联合国等国际组织关于发展中国家的分类研究[J].WTO经济导刊,2005(7)
[143]郑秉文.社保立法应考虑征缴模式选择的约束性[J].社会保障制度,2008(1):23-27
[144]中共中央办公厅国务院办公厅印发.《2006-2020年国家信息化发展战略》[EB/OL]. http://www.economicdaily.com.cn/no1/newsmore/200605/09/t20060509 _120618.shtml
[145]中国工商银行股份有限公司北京市分行债务催收公告[EB/OL]. http://www.chsi.com.cn/xlrz/200707/20070717/1025246.html
[146]中国工商银行股份有限公司广东分行营业部债务催收公告[EB/OL]. http://www.chsi.com.cn/xlrz/200611/20061121/697592.html
[147]中国人民银行,教育部,财政部.关于国家助学贷款的管理规定(试行)(国办发[1999]58号文件)[EB/OL]. http://www.xszz.cee.edu.cn/show_news.jsp?id=786
[148]中国人民银行助学贷款管理办法[EB/OL]. http://www.edu.cn/20030904/3090361.shtml,2000-8-26
[149]中国社会保障记者.跨越发展的五年——十六大以来社会保险事业发展回顾[J].中国社会保障,2007(10) :17-20
[150]中国住南非使馆.教育[EB/OL]. http://www.chinese-embassy.org.za/chn/nfgk/jbqk/t248478.htm
[151]中华人民共和国国家统计局2000年、2001年和2002年国民经济和社会发展的统计公报[EB/OL]. http://www.stats.gov.cn/tjgb/
[152]助学贷款,高校为何处境尴尬[EB/OL]. http://edu.people.com.cn/GB/6594873.html,2007-11-3
[1] Albrecht, D. & Ziderman, A. (1991) Deferred cost recovery for higher education: student loan programs in developing countries (Vol.137). Washington, D.C.: The World Bank
[2] Chapman, B. & Ryan, C. (2003)“The access implications of income contingent charges for higher education: lessons from Australia”[C]. Discussion Paper No.463
[3] Chapman, B. (2007) Income Related Student Loans: Concepts, International Reforms and Administrative Challenges. Springer Netherlands
[4] Highlights of discussions [A]. International Conference on Financing of Higher Education in Eastern and Southern Africa [C], Tanzania: Dar-es-Salaam,2002
[5] Johnstone, B. (2006) Financing Higher Education: Cost-Sharing in International Perspective. Massachusetts: Boston College Chestnut Hill
[6] Kim, A. & Lee, Y. (2004) Student loan schemes in the Republic of Korea: review and recommendations, Bangkok: UNESCO Bangkok/IIEP
[7] King, E. (1979) Other Schools and Ours: Comparative Studies for Today, London: Holt, Rinehart and Winston.
[8] Woodhall, M. (1983) Student Loans as a Means of Financing Higher Education Lessons from International Experience. Washington, D.C.: The World Bank.
[9] Woodhall, M. (1987) Lending for learning: Designing a student loan programme for developing countries. London: Commonwealth Secretariat
[10] Ziderman, A. & Albrecht, D. (1995) Financing Universities in Developing Countries, London: The Falmer Press
[11] Ziderman, A. (2004) Policy options for student loan schemes lessons from five Asian case studies. Bangkok: UNESCO Bangkok/IIEP
[12] 2006 Annual Report [EB/OL]. https://www.nsfas.org.za/web/view/general/reports/annual_rep2006
[13] 2006 Supplement report [EB/OL]. http://www.ghana.gov.gh/dexadd/2006suppl.pdf.2006-8-10.
[14] Act No.56.of 1999, NATIONAL STUDENT FINANCIAL AID SCHEME ACT, 1999 [EB/OL]. https://www.nsfas.org.za/resources/21/a56-99.pdf.2007-12-16
[15] Administrative Costs as a Percentage of Total Expenditure [EB/OL]. https://www.nsfas.org.za/web/view/general/statistics/loanstatistics
[16] Atuahene, F. Higher Education Finance in Ghana [EB/OL]. http://www.bc.edu/bc_org/avp/soe/cihe/newsletter/Number50/p20_Atuahene.htm
[17] Barr, N. (2007)“Financing higher education: lessons from developed economies, option for developing economies”[C].RBCED, January 16-17, 2007. Beijing, China
[18] Boatin, K. Nyarko, E. (2006) Management and Performance Challenges Encountered in the Investment of Social Security Funds-The Experience of the Social Security and National Insurance Trust of Ghana [R].ISSA REGIONAL CONFERENCE FOR ASIA AND THE PACIFIC, New Delhi, India. www.issa.int/pdf/newdelhi06/2nyarko.ppt,2007-12-29
[19] CEO’s Introduction[EB/OL].https://www.nsfas.org.za/resources/169/CEOs Introduction.pdf
[20] Chapman, B. (2005) Income Contingent Loans for Higher Education: International Reform. Discussion Paper No.491
[21] Collections and Customer Care Report [EB/OL]. https://www.nsfas.org.za/resources/169/CCC.pdf
[22] Court orders companies to pay debt to SSNIT [EB/OL]. http://www.ssnit.com./news_ssnit.cfm?departmentID=1,2006-04-21
[23] Education Lenders and Student Loans [EB/OL]. www.finaid.org/loans/educationlenders.html
[24] Effah, P. Country Higher Education Profiles Ghana [EB/OL]. http://www.bc.edu/bc_org/avp/soe/cihe/inhea/profiles/Ghana.htm,2006-07-12
[25] Finance Report [EB/OL]. https://www.nsfas.org.za/resources/169/FinanceA.pdf
[26] Foreword: Minister of Education [EB/OL]. https://www.nsfas.org.za/resources/169/ForewordMinisterofEdu.pdf
[27] Ghana Education Trust Fund Act [EB/OL]. ww.getfund.org/aboutus/getfundact.pdf
[28]《Ghana Education Trust Fund Act 2000》[EB/OL]. www.getfund.org/aboutus/getfundact.pdf
[29] Ghana's Education System [EB/OL]. http://www.ghana.gov.gh/studying/education/index.php,2006-7-20
[30] Harsch, E. Ghana grapples with university fees- National debate is launched over“cost-sharing”dilemmas [EB/OL]. www.un.org/ecosocdev/geninfo/afrec/subjindx/142educ5.htm
[31] How to repay nsfas? [EB/OL]. http://www.capegateway.gov.za/eng/pubs/public_info/S/96203/2
[32] Information Technology Report [EB/OL]. https://www.nsfas.org.za/resources/169/ITreport.pdf
[33] Jackson, R. (2002)“The National Student Financial Aid Scheme of South Africa (NSFAS): How and Why it Works”[A]. Burton LM Mwamila, Issa Omari, Eva Mbuya eds. Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility[C]. Tanzania: Dar-es-Salaam
[34] Johnstone, B. (2006) Financing Higher Education: Cost-Sharing in International Perspective [EB/OL]. www.gse.buffalo.edu/org/intHigherEdFinance/publications.html
[35] Kotey, N. (1992)“Student loans in Ghana”. Higher Education, Vol.23 , No.4, pp. 451-459
[36] Management Report[EB/OL]. https://www.nsfas.org.za/resources/169/ManagementReport.pdf,2007-12-15
[37] National Credit Act(No.34 of 2005)[EB/OL]. www.info.gov.za/gazette/acts/2005/a34-05.pdf
[38] Nortey ,O. (2002) Students'loan Scheme-The Ghanaian Experience[A]. International Conference on Financing of Higher Education in Eastern and Southern Africa [C]. Tanzania: Dar-es-Salaam
[39] NSFAS. Annual Report 2007 [EB/OL]. https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf,2008-1-12
[40] DEMOGRAPHICS [EB/OL]. http://www.nsfas.org.za/web/view/general/statistics/loanstatistics
[41] General Main Page [EB/OL]. http://www.nsfas.org.za/web/view/general/general_home/generalhome
[42] History [EB/OL]. http://www.nsfas.org.za/web/view/general/information/history
[43] NSFAS Fact Sheet [EB/OL]. https://www.nsfas.org.za/web/view/general/statistics/loanstatistics
[44] Operational Info [EB/OL]. http://www.nsfas.org.za/web/view/general/organisation/ OperationalInfo.2007-12-17
[45] You can afford to dream-10 Things you need to know about NSFAS [EB/OL]. https://www.nsfas.org.za/web/view/students/student_home/studenthome
[46] Promotion of Access to Information Act [EB/OL]. https://www.nsfas.org.za/resources/164/PAIA-section51manual.pdf
[47] Rossouw, H. (2001)“Bad Loans Burden Ghana's Student Aid”. The Chronicle of Higher Education. Washington: No.2, Vol.48
[48] Salmi, J. (1999) Student loans in an international perspective: The World Bank Experience [EB/OL]. www1.worldbank.org/education/lifelong_learning/publications/student_loans.pdf
[49] Samoff, J. Carrol, B. From Manpower Planning To The Knowledge Era: World Bank Policies on Higher Education in Africa [EB/OL]. http://aafaq.kfupm.edu.sa/features/Carrol.pdf#search=%22From%20Manpower%20Planning%20To%20The%20Knowledge%20Era%3A%20World%20Bank%20Policies%20on%20Higher%20Education%20in%20Africa%22
[50] Shen, H. (2004)“The most urgent problem on student loan scheme in China: repaymen”. Harvard China Review Harvard, Spring 2004, pp.93-97
[51] SSNIT. Loan disbursement and repayment [EB/OL]. http://www.ssnit.com/corpDetails_n.cfm?EmpID=12&CorpID=5,2006-4-21
[52] SSNIT. Students'Loan-Institutions that qualify for the students' loan [EB/OL]. http://www.ssnit.com/corpDetails_n.cfm?EmpID=16&CorpID=5,2006-7-20
[53] SSNIT. Students'Loan-the borrower or the guarantor [EB/OL]. http://www.ssnit.com/corpDetails_n.cfm?EmpID=13&CorpID=5,2006-7-20
[54] Statistics in Brief [EB/OL]. http://www.uis.unesco.org/profiles/EN/EDU/countryProfile_en.aspx?code=2880
[55] Students'Loan Institutions that qualify for the students'loan [EB/OL]. http://www.ssnit.com/corpDetails_n.cfm?EmpID=16&CorpID=5,2006-7-20
[56] Tibuahson, K. (2003) A Review of the State Pension Scheme in Ghana [D].City University London,http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf
[57] UNESCO institute fort statistics. Statistics in Brief-Education in Ghana [EB/OL]. http://www.uis.unesco.org/profiles/EN/EDU/countryProfile_en.aspx?code=2880, 2006-5-20
[58] US Department of Education (2003) Repayment Book: William D. Ford Federal Direct Loan Program. Washington, D.C.: Department of Education [EB/OL]. http://www.ed.gov/directLoan/pubs/repabook/index.html
[59] Usher, A. (2005) Much ado about a very small idea: straight talk on income-contingent loans [EB/OL]. http://www.educationalpolicy.org
[60] Usher, A. (2005) Global debt patterns: an international comparison of student loan burdens and repayment conditions [EB/OL]. http/www.educationalpolicy.org
[61] What Is Interest and why does NSFAS charge It? [EB/OL]. http://www.capegateway.gov.za/eng/pubs/public_info/S/96203/2
[62] Why does NSFAS register NSFAS loanees with Credit Bureaus?[EB/OL]. https://www.nsfas.org.za/web/view/students/loanees/FAQ4
[63] Woodhall ,M. (2002)“Student loans: potential, problems and lessons from international experience”[A].Financing of higher education in eastern and southern Africa [C].Tanzania: Dar-es-Salaam
[64] Woodhall, M. Student Loans as a Means of Financing Higher Education-Lessons from International Experience [EB/OL]. http://www-wds.worldbank.org/external/default/main?pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187511&theSitePK=523679&entityID=000178830_98101903420656&searchMenuPK=64187511&theSitePK=523679
[65] World development report 2007 [EB/OL]. http://www-wds.worldbank.org/external/default/WDSContentServer/IW3P/IB/2006/09/13/000112742_20060913111024/Rendered/PDF/359990WDR0complete.pdf
[66] Ziderman, A. & Albrecht, D. (1993)“Cost Recovery for Higher Education:Are Student Loans an Effective Instrument?”. World Bank Research Observer, Vol.8, No.1, pp.71-90
③王建红.对国家助学贷款政策的思考与建议[J].西安金融,2006(11):43-44
④工商行网上公布欠款大学生信息惹争议.中国青年报[N].2007.7.22,第二版
①大学毕业生欠贷官司戏剧性变化耐人寻味[EB/OL].http://www.cas.ac.cn/html/Dir/2006/02/28/13/80/38.htm
②上海:银行大规模起诉欠贷大学生首批涉百人[EB/OL].http://news.xinhuanet.com/legal/2006-09/04/content_5046938.htm.
③学生欠助学贷款被判助贷违约率达28.4%[EB/OL].http://www.edu.cn/20060522/3191131.shtml
④教育部发布会:寻解决助学贷款高违约率机制[EB/OL].http://www.jyb.com.cn/zs/gxzs/ptgxzs/zszx/t20060915_37356.htm⑤国家助学贷款期待各方合力推进[EB/OL].http://www.sannong.gov.cn/snxw/200610130054.htm
⑥广东银行叫停助学贷款贫困生贷款违约率超20%[EB/OL].http://news.huash.com/gb/news/2004-04/21/content_974973.htm;助学贷款违约率高不能都怪学生[EB/OL].http://finance.sina.com.cn/money/lczx/20060529/00002603841.shtml;诚信缺失,令助学贷款遭遇尴尬[EB/OL].http://www.china315.com/new/news/200368211210/2006/11/25/LJDNIEKPHHBTHSYGWGYBNHGDML10221260.htm
①国家助学贷款期待各方合力推进[EB/OL].http://www.sannong.gov.cn/snxw/200610130054.htm
②肖华茵,季俊杰,沈红.国家助学贷款利率政策的实施效应[J].高等工程教育研究,2007(3):69-73
③教育部2006年第16次新闻发布会——介绍资助高校贫困家庭学生工作的有关情况[EB/OL].http://www.moe.gov.cn/edoas/website18/info20941.htm
④肖华茵,季俊杰,沈红.国家助学贷款利率政策的实施效应[J].高等工程教育研究,2007(3):69-73
①国家开发银行河南省分行开展国家助学贷款试点工作情况介绍——国家开发银行河南省分行刘浩讲话摘选[EB/OL].http://www.xszz.cee.edu.cn/show_news.jsp?id=873
①教育部2006年第20次新闻发布会.介绍高校资助家庭经济困难学生工作有关情况和国家助学贷款代偿资助办法[EB/OL].http://www.edu.cn/topic_652/20060914/t20060914_196689.shtml
②Ziderman,A.(2004)Policy options for student loan schemes lessons from five Asian case studies.Bangkok: UNESCO Bangkok/IIEP, pp.63-70
①张民选.关于大学生资助政策发展得比较研究[J].教育研究,2007(4):8
②李珍,孙永勇,张昭华.中国社会养老保险基金管理体制选择:以国际比较为基础[M].北京:人民出版社,2005.313-314
①根据教育部2006年第16次新闻发布会——介绍资助高校贫困家庭学生工作的有关情况中的有关数据计算而得.http://www.moe.gov.cn/edoas/website18/info20941.htm
②卢乃桂,柯政.教育政策研究的类别、特征和启示[J].比较教育研究,2007(2):29-30
①华建敏.加快建设中国特色社会保障体系[J].社会保障制度,2008(3):6-8
②Woodhall,M.(2002)Student loans: potential, problems and lessons from international experience[A].Financing of higher education in eastern and southern Africa [C].Tanzania:Dar-es-Salaam,pp.96-110
①Barr,N.(2007) Financing higher education: lessons from developed economies, option for developing economies. RBCED, January 16-17,2007.Beijing,China②Johnstone,B.(2006) Financing Higher Education: Cost-Sharing in International Perspective. Massachusetts: Boston College Chestnut Hill, pp.45③Ziderman,A.& Albrecht,D.(1995) Financing Universities in Developing Countries. London: The Falmer Press, pp.63-68
④刘丽芳,沈红.“按收入比例还款”的国际争议[J].教育与经济,2006(2):36-38
⑤Woodhall,M.(1983)Student Loans as a Means of Financing Higher Education Lessons from International Experience.Washington,D.C.:The World Bank,pp.52⑥2006 Supplement report [EB/OL]. http://www.ghana.gov.gh/dexadd/2006suppl.pdf,2006-8-10
⑦梁爱华,沈红.美国特别津贴及其启示[J].高等工程教育研究,2007(1):94-96
①Chapman,B. (2005) Income Contingent Loans for Higher Education:International Reform.Discussion Paper No.491,pp.55
②Ziderman,A.(2004) Policy options for student loan schemes lessons from five Asian case studies. Bangkok: UNESCO Bangkok/IIEP, pp.63-70
③Ziderman,A.& Albrecht,D.(1995). Financing universities in developing countries.London: The Falmer Press,pp.88
④Salmi,J. (1999) Student loans in an international perspective: The World Bank Experience [EB/OL]. www1.worldbank.org/education/lifelong_learning/publications/student_loans.pdf
⑤Ziderman,A. & Albrecht,D. (1993) Cost Recovery for Higher Education: Are Student Loans an Effective Instrument?.World Bank Research Observer, Vol.8 No.1 pp.71-90
①Ziderman,A. (2004) Policy options for student loan schemes lessons from five Asian case studies. Bangkok: UNESCO Bangkok/IIEP,pp.63-70
②Woodhall,M. (1987) Lending for learning: Designing a student loan programme for developing countries. London: Commonwealth Secretariat.pp.57-61
③李战鹰.学生贷款制的是与非——国际上关于学生贷款问题的争议[J].比较教育研究,1998(2):15-18
④Salmi,J. (1999) Student loans in an international perspective: The World Bank Experience[EB/OL]. www1.worldbank.org/education/lifelong_learning/publications/student_loans.pdf
⑤Ziderman,A. & Albrecht,D. (1995) Financing Universities in Developing Countries. London: The Falmer Press,pp.88
⑥Ziderman,A. (2004) Policy options for student loan schemes lessons from five Asian case studies.Bangkok: UNESCO Bangkok/IIEP,pp.63-70
⑦world development report2007[EB/OL].http://www-wds.worldbank.org/external/default/WDSContentServer/IW3P/IB/2006/09/13/000112742_20060913111024/Rendered/PDF/359990WDR0complete.pdf
①Chapman,B. (2005) Income Contingent Loans for Higher Education: International Reform. Discussion Paper, No.491,pp.55
②Barr,N. (2007) Financing higher education: lessons from developed economies,option for developing economies.RBCED,January 16-17,2007.Beijing,China
③Salmi,J.(1999) Student loans in an international perspective: The World Bank Experience[EB/OL]. www1.worldbank.org/education/lifelong_learning/publications/student_loans.pdf
④Salmi,J.(1999) Student loans in an international perspective: The World Bank Experience[EB/OL]. www1.worldbank.org/education/lifelong_learning/publications/student_loans.pdf
⑤李红桃,沈红.美国降低国家担保学生贷款拖欠率的应验及启示[J].比较教育研究,2003(1):63-66
⑥国际教育动态专栏.美法院裁决,学生贷款可用社保救助金偿还[J].比较教育研究,2006(2):91-92
①侯玉红,吴选兴.高校对助学贷款违约毕业生进行入户调查的有益探索[J].教育财会研究2006(6):21-24
②Usher,A. (2005) Global debt patterns: an international comparison of student loan burdens and repayment conditions[EB/OL]. http/www.educationalpolicy.org;刘丽芳,沈红.“按收入比例还款”的国际争议[J].教育与经济,2006(2):36-38
③赵中建.高等学校的学生贷款——国际比较研究[M]成都:四川教育出版社,1996.63.
④US Department of Education.Repayment Book: William D.Ford Federal Direct Loan Program [EB/OL]. Washington, DC: Department of Education, 2003. http://www.ed.gov/directLoan/pubs/repabook/index.html
⑤任辉.韩国开展助学贷款对我国的启示[J].经济师,2006(2):84-85
①Barr,N. (2007) Financing higher education: lessons from developed economies,option for developing economies. RBCED,January 16-17,2007. Beijing,China
②Johnstone, B. (2006) Financing Higher Education: Cost-Sharing in International Perspective. Massachusetts:Boston College Chestnut Hill,pp.45
③Salmi, J. (1999) Student loans in an international perspective: The World Bank Experience [EB/OL]. www1.worldbank.org/education/lifelong_learning/publications/student_loans.pdf
④Chapman, B. (2005) Income Contingent Loans for Higher Education: International Reform. Discussion Paper No.491.pp.19-31
⑤Albrecht, D. & Ziderman, A. (1991) Deferred cost recovery for higher education: student loan programs in developing countries(Vol.137).Washington,D.C.:The World Bank,pp.35-42
⑥Ziderman, A. & Albrecht, D. (1993) Cost Recovery for Higher Education: Are Student Loans an Effective Instrument?.World Bank Research Observer, Vol.8 No.1,pp.71-90
①Chapman, B. (2005) Income Contingent Loans for Higher Education: International Reform. Discussion Paper No.491, pp.27-28
②Ziderman, A. & Albrecht, D. (1995) Financing universities in developing countries.London: The Falmer Press, pp.88
③Barr, N. (2007) Financing higher education: lessons from developed economies, option for developing economies. RBCED, January 16-17, 2007. Beijing, China
④[美]D.B.约翰斯同.高等教育财政:问题与出路[M].沈红,李红桃.北京:人民教育出版社2003.263
⑤Usher, A. (2005) Global debt patterns: an international comparison of student loan burdens and repayment conditions [EB/OL]. http/www.educationalpolicy.org, pp.3
①李红桃,朱俊文.美国联邦担保学生贷款的经验及其启示[J].教育与经济,2002(4):54-58②Usher, A. (2005) Global debt patterns: an international comparison of student loan burdens and repayment conditions[EB/OL]. http/www.educationalpolicy.org,pp.10
③Usher, A. (2005) Global debt patterns: an international comparison of student loan burdens and repayment conditions[EB/OL]. http/www.educationalpolicy.org,pp.10
④沈华,沈红,黄维.学生贷款偿还负担的国际比较及我国的实证研究[J].比较教育研究,2004(10):38-43⑤Shen, H. (2004) The most urgent problem on student loan scheme in China: repayment, Harvard China Review. Harvard, Spring 2004, pp.93-97
⑥Usher, A. (2005) Global debt patterns: an international comparison of student loan burdens and repayment conditions[EB/OL]. http/www.educationalpolicy.org, pp.14-21
①刘伶俐,宋瑛.国家助学贷款还贷违约的原因与对策[J].重庆工商大学学报(西部论坛),2006年增刊
②郭荣华,龚欣,杜美妮.新视角透视国家助学贷款违约原因[J].教育科学,2006(6):65-69
③侯玉红,吴选兴.高校对助学贷款违约毕业生进行入户调查的有益探索[J].教育财会研究,2006(6):21-24
④陈国治,邹青.构建有效的国家助学贷款风险防范和化解机制——解套助学贷款回收难的思考[J].高等工程教育研究,2005(2):66-68
⑤徐兴国.日本国家大学生贷款回收保障体系研究[J].教育与经济,2007(1):64-68
①晓宏.美国是怎样防范助学贷款违约的[J].中国社会导刊2006(19):50-51;陶红.美国联邦学生贷款制度、偿还机制及违约处理[J].教育与经济,2005(1):59-61
②齐晓宁,于永双.大学生助学贷款偿还问题探讨[J].农业高等教育,2006(5):90-92
③李红桃,沈红.美国降低国家担保学生贷款拖欠率的应验及启示[J].比较教育研究,2003(1):63-66
④徐兴国.日本国家大学生贷款回收保障体系研究[J].教育与经济,2007(1):64-68
①SSNIT为Social Security and National Insurance Trust的简写,意义见正文。
②赵中建.高等学校的学生贷款[M].成都:四川教育出版社,1996.165③Ghana's Education System[EB/OL]. http://www.ghana.gov.gh/studying/education/index.php,2006-7-20
④赵中建.加纳学生贷款计划评述[J].外国教育资料,1995(1):58-63
⑤《Ghana Education Trust Fund Act 2000》[EB/OL]. www.getfund.org/aboutus/getfundact.pdf
①Students' Loan Institutions that qualify for the students' loan[EB/OL]. http://www.ssnit.com/corpDetails_n.cfm?EmpID=16&CorpID=5,2006-7-20
②Students'Loan-the borrower or the guarantor [EB/OL]. http://www.ssnit.com/corpDetails_n.cfm?EmpID=13&CorpID=5,2006-7-20
③Students'Loan-loan disbursement and repayment [EB/OL]. http://www.ssnit.com/corpDetails_n.cfm?EmpID=12&CorpID=5,2006-4-21
①Kim, A. & Lee, Y. (2004) Student loan schemes in the Republic of Korea: review and recommendations. Bangkok: UNESCO Bangkok/IIEP, pp.57-58
②张民选.理想与抉择:大学生资助政策的国际比较[M].北京:人民教育出版社,1998.304-309
③关于approved education scheme问答[EB/OL].http://mycpf.cpf.gov.sg/Members/home.htm
④张民选.理想与抉择:大学生资助政策的国际比较[M].北京:人民教育出版社,1998.183-193
⑤张民选.理想与抉择:大学生资助政策的国际比较[M].北京:人民教育出版社,1998.403-407
①张民选.关于大学生资助政策发展得比较研究[J].教育研究,2007(4):3-9
②徐莉,石晓春.助学贷款制度创新[J].高等教育研究,2006(4):30-34
③范元伟.高等教育市场化改革与机会均等[M].上海:上海教育出版社,2006.110-114
①陶迪,肖闪.助学贷款的另一种选择:由社保基金来发放贷款[J].北方经贸,2006(12):77-79
②颜立茹.由养老保险金提供助学贷款比商业银行更合适[J].保险研究,2006(7):72-73
③[美]D.B.约翰斯通.高等教育财政问题与出路[M].沈红李红桃.北京:人民教育出版社,2003.252-255
④国际教育动态专栏.美法院裁决,学生贷款可用社保救助金偿还[J].比较教育研究,2006(2):91-92
①陈一壮.包含简单性方法的复杂性方法[J].哲学研究,2004(8):64-70
②田虎伟.混合方法研究——美国教育研究方法的一种新范式[J].高等教育研究,2006(11):74-78
①徐兴国.日本国家大学生贷款回收保障体系研究[J].教育与经济,2007(1):64-68
①中国人民银行,教育部,财政部.关于国家助学贷款的管理规定(试行)(国办发[1999]58号文件)[EB/OL].1999.5.13. http://www.xszz.cee.edu.cn/show_news.jsp?id=786
②国务院办公厅.关于助学贷款管理的若干意见(国办发〔2000〕6号)[EB/OL].http://www.xs zz.cee.edu.cn/show _news.jsp?id=782,2000-2-1
①国务院办公厅.关于助学贷款管理的若干意见(国办发〔2000〕6号)[EB/OL].http://www.xs zz.ce e.edu.cn/show_news.jsp?id=782,2000-2-1
②中国人民银行助学贷款管理办法[EB/OL].http://www.edu.cn/20030904/3090361.shtml,2000-8-26
③沈华.中国国家助学贷款多元化偿还模型设计——给予高等教育个人收益率差异的计量[D].华中科技大学,2005.69
④《中国人民银行关于下达2003年度国家助学贷款指导性贷款计划的通知》(银发[2003]53号文件)中指出,对于借款人违约比例达到20%且违约人数达到20人的学校,可以暂不列入编制范围,待学校通过加强管理或代偿措施后,使其违约比例降到20%以下,再及时补充下达贷款计划
⑤中华人民共和国国家统计局2000年、2001年和2002年国民经济和社会发展的统计公报[EB/OL].http://www.stats.gov.cn/tjgb/
①教育部,财政部,人民银行,银监会.关于进一步完善国家助学贷款工作的若干意见[EB/OL].http://www. xszz.cee.edu.cn/show_news.jsp?id=773
②教育部2005年第11次新闻发布会.介绍以国家助学贷款为重点的高校贫困家庭学生资助工作有关情况[EB/OL].http://202.205.177.12/edoas/website18/info15786.htm
①国家助学贷款:机制保障是关键[EB/OL]. http://edu.people.com.cn/GB/5731864.html, 2007-11-21②国家助学贷款期待各方合力推进[EB/OL]. http://www.sannong.gov.cn/snxw/200610130054.htm.
③教育部2006年第20次新闻发布会.介绍高校资助家庭经济困难学生工作有关情况和国家助学贷款代偿资助办法[EB/OL]. http://www.edu.cn/topic_652/20060914/t20060914_196689.shtml
④全国学生资助管理中心.吉林获两亿元助学贷款[EB/OL].http://www.moe.edu.cn/edoas/website18/info24735.htm;全国学生资助管理中心.广东省与国家开发银行国家助学贷款合作业务正式启动[EB/OL]. http://www.xszz.cee.edu.cn/show_news.jsp?id=815
⑤国家助学贷款:机制保障是关键[EB/OL]. http://edu.people.com.cn/GB/5731864.html,2007-5-15/2007-11-21
①河南省国家助学贷款工作试点情况介绍——河南省教育贷款管理中心主任宋振讲话摘选[EB/OL]. http://www.csa.cee.edu.cn/(jsurbl45rpb0sg555g4edwzn)/show.aspx?articleid=505,2006-11-6
②由吉林省教育项目贷款工作办公室主任晏强提供的工作汇报材料.2007年11月19日提供.
③教育部2005年第11次新闻发布会.介绍以国家助学贷款为重点的高校贫困家庭学生资助工作有关情况[EB/OL]. http://202.205.177.12/edoas/website18/info15786.htm
①罗比良.新制度经济学[J].太原:山西经济出版社,2005.454
②曹夕多.国家助学贷款市场与信息不对称[J].北京师范大学学报(社会科学版),2006(1):33-40
①董伟.我国每年40亿份合同只有一半履约[N].中国青年报,2008年3月20日
②杜金富,张新泽,李跃等.征信理论与实践[M].北京:中国金融出版社,2004.107-110
③央视《对话》:对话央行副行长苏宁:信用有价[EB/OL].http://news.sina.com.cn/c/2007-11-19/092314337853.shtml,2007-11-20
①侯爱民.以征信系统建设为突破口打造社会诚信体系[J].广西金融研究,2005(1):47-51
②方便个人理财隐私将受保护,个人信用记录影响理财生活[EB/OL]. http://finance.sina.com.cn/stock/t/20050705/0747176976.shtml
③张小路.现代社会诚信体系及其建设[J].河北学刊,2004(5):102-106
④潘光林,郭谊.论诚信与构建和谐社会的诚信体系[J].集团经济研究2006·4下半月刊(总第196期),15-16
①个人征信系统在提高大学生信用意识、促进国家助学贷款政策实施方面的事例[EB/OL]. http://www.xszz.cee.edu.cn/show_news.jsp?id=883
②梁志强,黄颖.“学贷险”云南首次赔付[N].金融时报,2007年8月20日,第003期
③中国工商银行股份有限公司北京市分行债务催收公告[EB/OL]. http://www.chsi.com.cn/xlrz/200707/20070717/1025246.html
①中国工商银行股份有限公司广东分行营业部债务催收公告[EB/OL]. http://www.chsi.com.cn/xlrz/200611/20061121/697592.html
②广东农行登报曝光535名欠款大学生[EB/OL]. http://bbs.ustc.edu.cn/cgi/bbscon?bn=Assistant&fn=M473CF51C
③中国工商银行股份有限公司北京市分行债务催收公告[EB/OL]. http://www.chsi.com.cn/xlrz/200707/20070717/1025246.html;广东农行公开曝光500名欠款大学生[EB/OL]. http://dzh.mop.com/dwdzh/topic/readSub_1_7895967_0_0.html,2007-12-2
①河南省属高等学校国家助学贷款管理暂行办法[EB/OL]. http://www.sqzy.edu.cn/xingzhengjigou/zhuxuedaikuanguanlibangongshi/zhengcefagui/20070727/1050.html
②网络调查:大学毕业生3年内跳槽达七成[EB/OL]. http://www.china.com.cn/chinese/diaocha/1116822.htm.2006-2-9
③河南省属高等学校国家助学贷款管理暂行办法[EB/OL]. http://www.sqzy.edu.cn/xingzhengjigou/zhuxuedaikuanguanlibangongshi/zhengcefagui/20070727/1050.html
①张民选.理想与抉择-大学生资助政策的国际比较[M].北京:人民教育出版社,1998.183-193
②助学贷款,高校为何处境尴尬[EB/OL]. http://edu.people.com.cn/GB/6594873.html,2007-11-30
③河南省累计发放国家助学贷款16.6亿元——国家助学贷款“河南模式”运行良好[EB/OL]. http://www.hadoe.gov.cn/Html/jydt/2007-11/9/11091602510711916025145105937.html,2007-11-9
①赵飞,熊晓燕,朱健华.生源地助学贷款期待近水解远渴[EB/OL]. http://learning.sohu.com/20070919/n252240937.shtml
①Bereday, G. (1964) Comparative Method in Education. New York: Holt, Rinehart and Winston,P.5.转引自:张民选.理想与抉择-大学生资助政策的国际比较[M].北京:人民教育出版社,1998.8-9②King, E. (1979) Other Schools and Ours: Comparative Studies for Today, London: Holt, Rinehart and Winston, pp.42.转引自:张民选.理想与抉择-大学生资助政策的国际比较[M].北京:人民教育出版社,1998.9
③珍妮.分类背后的利益之手——联合国等国际组织关于发展中国家的分类研究[J].WTO经济导刊,2005(7):61-62
④南非概况[EB/OL]. http://news3.xinhuanet.com/ziliao/2002-06/19/content_447646.htm
⑤加纳概况[EB/OL]. http://gh.china-embassy.org/chn/ghgk/t177919.htm
⑥珍妮.分类背后的利益之手——联合国等国际组织关于发展中国家的分类研究[J].WTO经济导刊,2005(7):61-62
①南非概况[EB/OL]. http://news3.xinhuanet.com/ziliao/2002-06/19/content_447646.htm
②中国住南非使馆.教育[EB/OL]. http://www.chinese-embassy.org.za/chn/nfgk/jbqk/t248478.htm
①南非教育[EB/OL]. http://www.chinese-embassy.org.za/chn/nfgk/jbqk/t248478.htm
②NSFAS.Operational Info[EB/OL]. https://www.nsfas.org.za/web/view/general/organisation/OperationalInfo,2007-12-17③Act No.56 of 1999[EB/OL]. https://www.nsfas.org.za/resources/21/a56-99.pdf, 2007-12-16
④Jackson, R. (2002) The National Student Financial Aid Scheme of South Africa (NSFAS): How and Why it Works.in: Burton LM Mwamila, Issa Omari, Eva Mbuya eds. Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility. Tanzania: Dar-es-Salaam. pp.227-241⑤Jackson, R. (2002) The National Student Financial Aid Scheme of South Africa (NSFAS): How and Why it Works. in: Burton LM Mwamila, Issa Omari, Eva Mbuya eds.Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility. Tanzania: Dar-es-Salaam. pp.227-241
①Management Report [EB/OL]. https://www.nsfas.org.za/resources/169/ManagementReport.pdf
②Act No.56 of 1999[EB/OL]. https://www.nsfas.org.za/resources/21/a56-99.pdf,2007-12-16
③NSFAS. You can afford to dream: 10 Things you need to know about NSFAS [EB/OL]. https://www.nsfas.org.za/web/view/students/student_home/studenthome
④What Is Interest and Why does NSFAS Charge It?[EB/OL]. http://www.capegateway.gov.za/eng/pubs/public_info/S/96203/2
①Jackson, R. (2002) The National Student Financial Aid Scheme of South Africa (NSFAS): How and Why it Works. in: Burton LM Mwamila, Issa Omari, Eva Mbuya eds. Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility. Tanzania: Dar-es-Salaam. pp.227-241
②NSFAS. NSFAS Fact Sheet[EB/OL]. https://www.nsfas.org.za/web/view/general/statistics/loanstatistics;Annual Report 2007[EB/OL]. https://www.nsfas.org.za/resources/170/NSFASAnnualReport200.pdf.
①Act No.56.of 1999, Natiomal Student Financial Aid Scheme Act, 1999[EB/OL]. https://www.nsfas.org.za/resources/21/a56-99.pdf, 2007-12-16
①Management Report[EB/OL]. https://www.nsfas.org.za/resources/169/ManagementReport.pdf
②NSFAS. National Student Financial Aid Scheme, Annual Report 2007[EB/OL]. https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf, pp.11
③Act No.56.of 1999, Natiomal Student Financial Aid Scheme Act, 1999[EB/OL]. https://www.nsfas.org.za/resources/21/a56-99.pdf, 2007-12-16
①2006 Annual Report[EB/OL]. https://www.nsfas.org.za/web/view/general/reports/annual_rep2006, pp.39
②Act No.56.of 1999, Natiomal Student Financial Aid Scheme Act, 1999[EB/OL]. https://www.nsfas.org.za/resources/21/a56-99.pdf, 2007-12-16
③Act No.56.of 1999, Natiomal Student Financial Aid Scheme Act, 1999[EB/OL]. https://www.nsfas.org.za/resources/21/a56-99.pdf,2007-12-16
④NSFAS. Annual Report 2007[EB/OL]. https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf, pp.8
①NSFAS. Annual Report 2007[EB/OL]. https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf, pp.13
①Foreword: Minister of Education[EB/OL].https://www.nsfas.org.za/resources/169/ForewordMinisterofEdu.pdf
②Jackson,R.(2002)The National Student Financial Aid Scheme of South Africa (NSFAS):How and Why it Works.in: Burton LM Mwamila, Issa Omari, Eva Mbuya eds.Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility.Tanzania:Dar-es-Salaam,pp.227-241
③Demographics[EB/OL].https://www.nsfas.org.za/web/view/general/statistics/loanstatistics
④Demographics[EB/OL].https://www.nsfas.org.za/web/view/general/statistics/loanstatistics
①Jackson, R. (2002) The National Student Financial Aid Scheme of South Africa (NSFAS): How and Why it Works.in: Burton LM Mwamila, Issa Omari, Eva Mbuya eds.Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility.Tanzania:Dar-es-Salaam,pp.227-241
②Finance Report [EB/OL]. https://www.nsfas.org.za/resources/169/FinanceA.pdf
③National Student Financial Aid Scheme:Annual Report 2007[EB/OL]. https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf,pp.13
④Collections and Customer Care Report [EB/OL].https://www.nsfas.org.za/resources/169/CCC.pdf
⑤NSFAS.Annual Report 2007[EB/OL].https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf,pp.16
①NSFAS.NSFAS Fact Sheet [EB/OL].https://www.nsfas.org.za/web/view/general/statistics/loanstatistics
①Administrative Costs as a Percentage of Total Expenditure[EB/OL]. https://www.nsfas.org.za/web/view/general/statistics/loanstatistics;NSFAS.Annual Report 2007[EB/OL].https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf,pp.8
②NSFAS.National Student Financial Aid Scheme Annual Report 2007[EB/OL].https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf,21
①NSFAS.History[EB/OL].https://www.nsfas.org.za/web/view/general/information/history
①Johnstone, B. (2006) Financing Higher Education: Cost-Sharing in International Perspective.Massachusetts:Boston College Chestnut Hill,pp.215
②CEO’s Introduction[EB/OL].https://www.nsfas.org.za/resources/169/CEOsIntroduction.pdf③NSFAS.General Main Page [EB/OL].https://www.nsfas.org.za/web/view/general/general_home/generalhome
①王留栓.亚非拉十国高等教育[M].上海:上海学林出版社,2001.156
②Act No.56.of 1999, Natiomal Student Financial Aid Scheme Act,1999[EB/OL].https://www.nsfas.org.za/resources/21/a56-99.pdf.2007-12-16
③Foreword: Minister of Education[EB/OL].https://www.nsfas.org.za/resources/169/ForewordMinisterofEdu.pdf
④Jackson,R.(2002)The National Student Financial Aid Scheme of South Africa (NSFAS):How and Why it Works.in: Burton LM Mwamila, Issa Omari, Eva Mbuya eds.Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility.Tanzania:Dar-es-Salaam.pp.227-241
①NSFAS.Annual Report 2007[EB/OL].https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf.pp.14
②Act No. 56.of 1999, Natiomal Student Financial Aid Scheme Act,1999[EB/OL].https://www.nsfas.org.za/resources/21/a56-99.pdf. 2007-12-16
③how to repay nsfas?[EB/OL].http://www.capegateway.gov.za/eng/pubs/public_info/S/96203/2
④Why does NSFAS register NSFAS loanees with Credit Bureaus?[EB/OL].https://www.nsfas.org.za/web/view/students/loanees/FAQ4
⑤Collections and Customer Care Report [EB/OL].https://www.nsfas.org.za/resources/169/CCC.pdf
①NSFAS.Annual Report 2007[EB/OL]. https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf. pp.18,2008-1-12
②NSFAS.National Student Financial Aid Scheme:Annual Report 2007[EB/OL].https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf,P.17
③Information Technology Report [EB/OL].https://www.nsfas.org.za/resources/169/ITreport.pdf
④NSFAS.National Student Financial Aid Scheme:Annual Report 2007[EB/OL].https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf,pp.22
⑤Jackson,R.(2002)The National Student Financial Aid Scheme of South Africa (NSFAS):How and Why it Works.in: Burton LM Mwamila, Issa Omari, Eva Mbuya eds.Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility.Tanzania:Dar-es-Salaam.pp.227-241
①Promotion of Access to Information Act[EB/OL].https://www.nsfas.org.za/resources/164/PAIA-section51manual.pdf
②Management Report [EB/OL].https://www.nsfas.org.za/resources/169/ManagementReport.pdf,2007-12-15
①Jackson,R.(2002)The National Student Financial Aid Scheme of South Africa (NSFAS):How and Why it Works.in: Burton LM Mwamila, Issa Omari, Eva Mbuya eds.Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility.Tanzania:Dar-es-Salaam.pp.227-241
②Collections and Customer Care Report [EB/OL].https://www.nsfas.org.za/resources/169/CCC.pdf
③NSFAS.Annual Report 2007[EB/OL].https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf, pp.21,2008-1-12
①中华人民共和国驻加纳共和国大使馆.加纳概况[EB/OL].http://gh.china-embassy.org/chn/ghgk/t177919.htm
②陈仲丹.加纳:寻找现代化的根基[M].成都:四川人民出版社,2000.274
①GHANA EDUCATION TRUST FUND ACT[EB/OL].www.getfund.org/aboutus/getfundact.pdf
②Student Loans Scheme Law,1992 PNDC L.276[EB/OL].www.ssnit.com/corpDetails_n.cfm?EmpID=10&CorpID=5
③SSNIT.Students'Loan-Institutions that qualify for the students'loan[EB/OL].http://www.ssnit.com/corpDetails_n.cfm?EmpID=16&CorpID=5,2006-7-20
④SSNIT.Students' Loan - the borrower or the guarantor [EB/OL].http://www.ssnit.com/corpDetails_n.cfm?EmpID=13&CorpID=5,2006-7-20
⑤Tibuahson, K. (2003) A Review of the State Pension Scheme in Ghana[D]. City University London, http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf,pp.27⑥2006 Supplement report [EB/OL].http://www.ghana.gov.gh/dexadd/2006suppl.pdf,2006-8-10,P11
①Boatin,K.Nyarko ,E.(2006) Management and Performance Challenges Encountered in the Investment of Social Security Funds-The Experience of the Social Security and National Insurance Trust of Ghana[R].ISSA REGIONAL CONFERENCE FOR ASIA AND THE PACIFIC,New Delhi, India.www.issa.int/pdf/newdelhi06/2nyarko.ppt.2007-12-29
②Kotey, N. (1992)“Student loans in Ghana”. Hihger Education, Vol.23,No.4 pp.453
①Chapman,B.(2005)Income Related Student Loans: Concepts, International Reforms and Administrative Challenges[M].Springer Netherlands,pp.79-103;Chapman,B.(2005)Income Contingent Loans for Higher Education:International Reform.Discussion Paper No.491
②STUDENT LOANS SCHEME LAW,1992 PNDC L.276 [EB/OL].ssnit.com/corpDetails_n.cfm?EmpID=10&CorpID=3.2006-3-27
③Tibuahson,K.(2003) A Review of the State Pension Scheme in Ghana[D].City University London,
①STUDENT LOANS SCHEME LAW,1992 PNDC L.276 [EB/OL].ssnit.com/corpDetails_n.cfm?EmpID=10&CorpID=3;SSNIT.Students' Loan - loan disbursement and repayment [EB/OL].http://www.ssnit.com/corpDetails_n.cfm?EmpID=12&CorpID=5,2006-7-20.
②Nortey,O.(2002) Students'loan Scheme:The Ghanaian Experience[C].International Conference on Financing of Higher Education in Eastern and Southern Africa[C],25th-26th March 2002,pp.211-221
①Nortey,O.(2002)Students'loan Scheme:The Ghanaian Experience[C].International Conference on Financing of Higher Education in Eastern and Southern Africa 25th-26th March,pp.211-221
②Rossouw,H.(2001)Bad Loans Burden Ghana's Student Aid.The Chronicle of Higher Education,Washington,No.2,Vol.48,pp.63
①Woodhall,M.Student Loans as a Means of Financing Higher Education- Lessons from International Experience[EB/OL].http://www-wds.worldbank.org/external/default/main?pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187511&theSitePK=523679&entityID=000178830_98101903420656&searchMenuPK=64187511&theSitePK=523679
②Ernest Harsch.Ghana grapples with university fees- National debate is launched over“cost-sharing”dilemmas[EB/OL].www.un.org/ecosocdev/geninfo/afrec/subjindx/142educ5.htm
③Nortey, O. (2002) Students'loan Scheme-The Ghanaian Experience[C]. International Conference on Financing of Higher Education in Eastern and Southern Africa 25th-26th March 2002, pp.211-221
④Samoff, J. & Carrol, B. From Manpower Planning To The Knowledge Era: World Bank Policies on Higher Education in Africa[EB/OL]. http://aafaq.kfupm.edu.sa/features/Carrol.pdf#search=%22From%20Manpower%20Planning%20To%20The%20Knowledge%20Era%3A%20World%20Bank%20Policies%20on%20Higher%20Education%20in%20Africa%22,pp.27
①Statistics in Brief [EB/OL]. http://www.uis.unesco.org/profiles/EN/EDU/countryProfile_en.aspx?code=2880.2004
②赵中建.高等学校的学生贷款[M].成都:四川教育出版社,1996.165
③GHANA'S EDUCATION SYSTEM[EB/OL].http://www.ghana.gov.gh/studying/education/index.php,2006-7-20
④Ghana government.Ghana's education system [EB/OL].http://www.ghana.gov.gh/studying/education/index.php.2006-7-20
⑤Effah,P.Country Higher Education Profiles Ghana[EB/OL].http://www.bc.edu/bc_org/avp/soe/cihe/inhea/profiles/Ghana.htm,2006-07-12
①Nortey,O.(2002)Students'loan Scheme-The Ghanaian Experience[C].International Conference on Financing of Higher Education in Eastern and Southern Africa 25th-26th March,pp.211-221
②SSNIT.Loan disbursement and repayment[EB/OL].http://www.ssnit.com/corpDetails_n.cfm?EmpID=12&CorpID=5.2006-4-21
①加纳概况[EB/OL].http://gh.china-embassy.org/chn/ghgk/t177919.htm
①Tibuahson, K. (2003) A Review of the State Pension Scheme in Ghana[D]. City University London,http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf, pp.27
②Tibuahson, K. (2003) A Review of the State Pension Scheme in Ghana[D]. City University London, http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf, pp.25
③Tibuahson, K. (2003) A Review of the State Pension Scheme in Ghana[D]. City University London, http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf, pp.26-27
④Tibuahson, K. (2003) A Review of the State Pension Scheme in Ghana[D]. City University London,http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf,pp.29
⑤Court orders companies to pay debt to SSNIT[EB/OL].http://www.ssnit.com./news_ssnit.cfm?departmentID=1,2006/04/21
①Tibuahson,K.(2003)A Review of the State Pension Scheme in Ghana[D].City University London,http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf,pp.7
②Tibuahson,K.(2003)A Review of the State Pension Scheme in Ghana[D].City University London,http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf,pp.7
①N.Kotey.“Student loans in Ghana”.Hihger Education ,Vol.23,1992.453
②UNESCO institute fort statistics. Statistics in Brief -Education in Ghana[EB/OL].http://www.uis.unesco.orpg/rofiles/EN/EDU/countryProfile_en.aspx?code=2880 2006/5/20
③赵中建.高等学校的学生贷款[M].成都:四川教育出版社,1996.168
④Ghana government.Ghana's education system[EB/OL]. http://www.ghana.gov.gh/studying/education/index.php,2006-7-20
⑤Paul Effah.Country Higher Education Profiles Ghana[EB/OL].http://www.bc.edu/bc_org/avp/soe/cihe/inhea/profiles/Ghana.htm
①Francis Atuahene.Higher Education Finance in Ghana[EB/OL] http://www.bc.edu/bc_org/avp/soe/cihe/newsletter/Number50/p20_Atuahene.htm
②Tibuahson, K. (2003) A Review of the State Pension Scheme in Ghana[D]. City University London,http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf, pp.1
①徐兴国.日本国家大学生贷款回收保障体系研究[J].教育与经济,2007(1):64-68
①Tibuahson, K. (2003) A Review of the State Pension Scheme in Ghana[D].City University London, http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf, pp.ⅳ
②Nortey,O.(2002)Students'loan Scheme:The Ghanaian Experience[C].International Conference on Financing of Higher Education in Eastern and Southern Africa 25th-26th March 2002, pp.211-221
③Highlights of discussions[C]. International Conference on Financing of Higher Education in Eastern and Southern Africa, 2002. pp.4-57
④梁爱华,沈红.加纳养老金学生贷款及其失败原因分析[J].现代教育科学,2007(1):44-47
①迈克尔A.希特,C.切特·米勒,安瑞妮·科勒拉.组织行为学——基于战略的方法[M].冯云霞,笪鸿安,陈志宏.北京:机械工业出版社,2007.8
②[美]戴维·波普诺.社会学(第十版)[M].李强.北京:中国人民大学出版社,1999.189
③[美]戴维·波普诺.社会学(第十版)[M].李强.北京:中国人民大学出版社,1999.190
④赵莉琴,郭跃显,李英.组织行为学理论与案例[M].北京:中国铁道出版社,2005.196-199
⑤迈克尔A.希特,C.切特·米勒,安瑞妮·科勒拉.组织行为学——基于战略的方法[M].冯云霞,笪鸿安,陈志宏.北京:机械工业出版社,2007.285
①[英]戴维·布坎南,安德烈·赫钦斯盖.组织行为学[M].李丽,闫长坡,何玉林等.北京:经济管理出版社,2005.563
①迈克尔A.希特,C.切特·米勒,安瑞妮·科勒拉.组织行为学——基于战略的方法[M].冯云霞,笪鸿安,陈志宏.北京:机械工业出版社,2007.290
②朱顺泉.管理信息系统教程[M].北京:清华大学出版社,2006.10
①朱顺泉.管理信息系统教程[M].北京:清华大学出版社,2006.14
①Education Lenders and Student Loans[EB/OL].www.finaid.org/loans/educationlenders.phtm
②李红桃,沈红.美国降低国家担保学生贷款拖欠率的经验及启示[J].比较教育研究,2003(1):63-66
③李惠清.美法院裁决学生贷款可用社保救助金偿还[J].比较教育研究,2006(2):91-92
④林钧跃.社会信用体系原理[M].北京:中国方正出版社,2002.43-44
⑤杜金富,张新泽,李跃等.征信理论与实践[M].北京:中国金融出版社,2004.14-19
①林钧跃.社会信用体系原理[M].北京:中国方正出版社,2002.57
②林钧跃.社会信用体系原理[M].北京:中国方正出版社,2002.50-55
③张岸元.穷人没有产权、信誉和经营才能吗?——对张维迎先生学术观点的质疑[A].梁正,卿志琼,陆长平等.中国十位著名经济学家批判[C].上海:学林出版社,2002:160-185
④林钧跃.社会信用体系原理[M].北京:中国方正出版社,2002.38-39
①STUDENT LOANS SCHEME LAW,1992 PNDC L.276 [EB/OL].ssnit.com/corpDetails_n.cfm?EmpID=10&CorpID=3.2006-3-27
②National Credit Act [No.34 of 2005][EB/OL].www.info.gov.za/gazette/acts/2005/a34-05.pdf
③文年.远行南非随笔[EB/OL].http://www.bt163.net/btwx/nfyx.htm
①Act No.56 of 1999[EB/OL].https://www.nsfas.org.za/resources/21/a56-99.pdf.2007-12-16
①Act No.56.of 1999, NATIONAL STUDENT FINANCIAL AID SCHEME ACT, 1999 [EB/OL]. https://www.nsfas.org.za/resources/21/a56-99.pdf,2007-12-16
②[新加坡]林志颂,[美]理查德·L·德特.领导学[M].顾棚兰,谢飞,姜涛等.北京:中国人民大学出版社,2007.256
①赵莉琴,郭跃显,李英.组织行为学理论与案例[M].北京:中国铁道出版社,2005.173
②NSFAS.Annual Report 2007[EB/OL].https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf,pp.23-27
①Act No.56.of 1999, NATIONAL STUDENT FINANCIAL AID SCHEME ACT,1999 [EB/OL].https://www.nsfas.org.za/resources/21/a56-99.pdf. 2007-12-16
①STUDENT LOANS SCHEME LAW,1992 PNDC L.276 [EB/OL].ssnit.com/corpDetails_n.cfm?EmpID=10&CorpID=3.2006-3-27
①养老改革发展的新形势[R].武汉:2007年和谐社会构建与社会保障国际论坛,2007
①金保工程[EB/OL].http://www.china.org.cn/chinese/zhuanti/492090.htm
①关于印发2008年金保工程建设工作要点的通知(劳社信息函〔2008〕5号)[EB/OL].http://www.molss.gov.cn/gb/zt/2008-02/19/content_225126.htm
①中共中央办公厅国务院办公厅印发.《2006-2020年国家信息化发展战略》[EB/OL].http://www.economicdaily.com.cn/no1/newsmore/200605/09/t20060509_120618.shtml
②劳动和社会保障部副部长刘永富做客强国[EB/OL].http://www.people.com.cn/GB/32306/33093/76070/76072/index.html,2006-12-20
①中国社会保障记者.跨越发展的五年:十六大以来社会保险事业发展回顾[J].中国社会保障,2007(10):17-20
②人力资源社会保障部公布一季度就业和社保情况[EB/OL].http://www.mohrss.gov.cn/mohrss/Desktop.aspx?path=/mohrss/InfoView&gid=8f371369-943b-40ef-ac66-15dbd6bf0c0b&tid=Cms_Info.2008-4-18
③汤耀国,郭久辉,郑黎.事业单位养老保险改革艰难的探索[J].社会保障研究,2006(9):22-33
④劳动和社会保障事业发展“十一五”规划纲要[EB/OL]http://www.molss.gov.cn/gb/zt/2006-11/08/content_146879.htm
①劳动和社会保障部民政部答记者问[EB/OL].http://news.cn.yahoo.com/08-03-/1028/2ixql.html
②劳动保障部:2020年所有居民均能“老有所养”[EB/OL].http://www.molss.gov.cn/gb/news/2007-11/12/content_208913.htm③中国社会保障记者.跨越发展的五年:十六大以来社会保险事业发展回顾[J].中国社会保障,2007(10):17-20
④人力资源社会保障部公布一季度就业和社保情况[EB/OL].http://www.mohrss.gov.cn/mohrss/Desktop.aspx?path=/mohrss/InfoView&gid=8f371369-943b-40ef-ac66-15dbd6bf0c0b&tid=Cms_Info.2008-4-18
⑤顾昕.城镇居民医保:筹资与付费两手抓[J].中国社会保障,2007(5):10-12
⑥胡晓义.把好事办好办实—关于城镇居民基本医疗保险制度的思考[J].中国社会保障,2007(11):16-19
⑦张莹.2007年中国卫生十大新闻揭晓“人人享有基本医疗卫生服务”居首[N].光明日报2008-1-11,第6版
①国务院关于开展城镇居民基本医疗保险试点的指导意见(国发〔2007〕20号)[EB/OL].http://www.gov.cn/zwgk/2007-07/24/content_695118.htm
②巩固成果加大力度加快推进城镇居民基本医疗保险试点工作——吴仪副总理在国务院城镇居民基本医疗,保险扩大试点工作电视电话会议上的讲话[EB/OL].http://news.163.com/08/0226/17/45L4NNAQ000120GU.html
③中国社会保障记者.跨越发展的五年:十六大以来社会保险事业发展回顾[J].中国社会保障,2007(10):17-20
④人力资源社会保障部公布一季度就业和社保情况[EB/OL].http://www.mohrss.gov.cn/mohrss/Desktop.aspx?path=/mohrss/InfoView&gid=8f371369-943b-40ef-ac66-15dbd6bf0c0b&tid=Cms_Info.2008-4-18
①社会保险法草案23日首次提请全国人大常委会审议[EB/OL].http://www.molss.gov.cn/gb/news/2007-12/25/content_216509.htm
②关于印发华福周副部长在全国部分地区金保工程建设座谈会上的讲话的通知(劳社信息函〔2006〕13号)[EB/OL].http://www.molss.gov.cn/gb/zt/2006-05/24/content_117362.htm
③周立权,丁文杰.社保资金征缴体制的"二元结构"当终结[N].经济参考报,2008年3月3日
①关于印发社会保障卡建设总体规划的通知(劳社部函〔1999〕213号)[EB/OL].http://www.law-lib.com/law/law_view.asp?id=167767
②关于印发劳动和社会保障信息化建设“十一五”规划的通知(劳社部发〔2007〕15号)[EB/OL].http://www.molss.gov.cn/gb/zt/2007-05/31/content_180052.htm
③劳动和社会保障事业发展“十一五”规划纲要(2006-2010年)[EB/OL].http://www.molss.gov.cn/gb/zt/2006-11/08/content_146879.htm
①《全面推进劳动合同制度实施三年行动计划》(劳社部发〔2006〕13号)[EB/OL].http://www.molss.gov.cn/gb/zxwj/2006-05/17/content_116669.htm
②黄利.新劳动合同法力破劳资失衡怪局[J].新华月报,2007(8)(上半月):28-29.
③田成平在全国劳动保障工作会议暨全国劳动保障系统优质服务窗口单位表彰会上的讲话[EB/OL].http://www.molss.gov.cn/gb/news/2007-12/21/content_215712.htm
④国务院机构改革新组建五个部两个局[EB/OL].http://news.qq.com/a/20080311/006997.htm
⑤人力资源和社会保障部主要负责人及领导班子组成[EB/OL].http://www.gov.cn/rsrm/2008-03/21/content_925689.htm
①贾洪波,温源.基本养老金替代率优化分析[J].中国人口科学,2005(1):81-87年)[EB/OL].http://www.molss.gov.cn/gb/zt/2006-11/08/content_146879.htm
①《全面推进劳动合同制度实施三年行动计划》(劳社部发〔2006〕13号)[EB/OL].http://www.molss.gov.cn/gb/zxwj/2006-05/17/content_116669.htm
②黄利.新劳动合同法力破劳资失衡怪局[J].新华月报,2007(8)(上半月):28-29.
③田成平在全国劳动保障工作会议暨全国劳动保障系统优质服务窗口单位表彰会上的讲话[EB/OL].http://www.molss.gov.cn/gb/news/2007-12/21/content_215712.htm
④国务院机构改革新组建五个部两个局[EB/OL].http://news.qq.com/a/20080311/006997.htm
⑤人力资源和社会保障部主要负责人及领导班子组成[EB/OL].http://www.gov.cn/rsrm/2008-03/21/content_925689.htm
①信息传真.近年来我国社会保险基本情况[J].社会保障制度,2008(2):78
②养老改革发展的新形势[R].武汉:2007年和谐社会构建与社会保障国际论坛,2007
③北京大学课题组.2007年高校毕业生就业状况的调查统计[EB/OL].http://www.gse.pku.edu.cn/jianbao/200706.htm
①郑秉文.社保立法应考虑征缴模式选择的约束性[J].社会保障制度,2008(1):23-27
[1] [美]D.B.约翰斯同.高等教育财政问题与出路[M].沈红李红桃.北京:人民教育出版社,2003
[2] [美]戴维·波普诺.社会学[M].李强.北京:中国人民大学出版社,1999,10
[3] [美]弗兰克·H.奈特.风险、不确定性与利润[M].安佳.北京:商务印书馆,2006
[4] [美]弗雷德里克·S·米什金.货币金融学[M].刘毅,蒋理,王秀萍等.北京:中国人民大学出版社,2005,6
[5] [美]林南.社会资本:关于社会结构与行动的理论[M].张磊.上海:上海人民出版社,2004
[6] [新加坡]林志颂,[美]理查德·L·德特.领导学[M].顾棚兰,谢飞,姜涛等.北京:中国人民大学出版社,2007
[7] [英]伯纳得·伯恩斯·变革管理[M].冉德君,钱春萍,周德昆.北京:中国市场出版社,2007,4
[8] [英]戴维·布坎南,安德烈·赫钦斯盖.组织行为学[M].李丽,闫长坡,何玉林等.北京:经济管理出版社,2005
[9]曹信邦,刘伟忠,杨文建.社会保障学[M].北京:科学出版社,2007
[10]陈仲丹.加纳:寻找现代化的根基[M].成都:四川人民出版社,2000
[11]杜金富,张新泽,李跃等.征信理论与实践[M].北京:中国金融出版社,2004
[12]法律出版社法规中心组.社会保险纠纷处理依据小全书[M],北京:法律出版社,2007
[13]范元伟.高等教育市场化改革与机会均等[M].上海:上海教育出版社2006
[14]库少雄,(美)Hobart A.Burch.社会福利政策分析与选择[M].武汉:华中科技大学出版社,2006
[15]李曙光.个人信用评估研究[M].北京:中国金融出版社,2008
[16]李珍,孙永勇,张昭华.中国社会养老保险基金管理体制选择——以国际比较为基础[M].北京:人民出版社,2005
[17]林钧跃.社会信用体系原理[M].北京:中国方正出版社,2002
[18]刘精明.国家、社会阶层与教育:教育获得的社会学研究[M].北京:中国人民大学出版社,2005
[19]卢现祥(主编).新制度经济学[M].武汉:武汉大学出版社,2004
[20]罗比良.新制度经济学[M].太原:山西经济出版社,2005
[21]迈克尔A.希特,C.切特·米勒,安瑞妮·科勒拉.组织行为学——基于战略的方法[M].冯云霞,笪鸿安,陈志宏.北京:机械工业出版社,2007
[22]闵维方(主编).探索教育变革:经济学和管理政策的视角[M].北京:教育科学出版社,2005
[23]王留栓.亚非拉十国高等教育[M].上海:上海学林出版社,2001
[24]萧今.发展经济中的人力资本—企业的策略与三原教育体系[M].北京:北京师范大学出版社,2004
[25]辛树森,许会斌.个人信贷[M].北京:中国金融出版社,2007
[26]杨明.政府与市场:高等教育财政政策研究[M].浙江:浙江教育出版社,2007
[27]杨燕绥,阎中兴等.政府与社会保障——关于政府社会保障责任的思考[M].北京:中国劳动社会保障出版社,2007
[28]叶响裙.中国社会养老保障:困境与抉择[M].北京:社会科学文献出版社,2004
[29]袁志刚(主编).养老保险经济学[M].上海:上海人民出版社,2005
[30]张岸元.穷人没有产权、信誉和经营才能吗?——对张维迎先生学术观点的质疑[A].梁正,卿志琼,陆长平等.中国十位著名经济学家批判[C].上海:学林出版社,2002
[31]张民选.理想与抉择-大学生资助政策的国际比较[M].北京:人民教育出版社,1998
[32]赵莉琴,郭跃显,李英.组织行为学理论与案例[M].北京:中国铁道出版社,2005
[33]赵曼.社会保障[M].北京:中国财政经济出版社,2005
[34]赵人伟,赖德胜,魏众.中国经济转型和社会保障改革[M].北京:北京师范大学出版社,2006
[35]赵中建.高等学校的学生贷款——国际比较研究[M]成都:四川教育出版社,1996
[36]郑功成.社会保障学——理念、制度、实践与思辨[M].北京:商务印书馆,2000
[37]郑伟.中国社会养老保险:制度变迁与经济效益[M].北京:北京大学出版社,2005
[38]朱顺泉.管理信息系统教程[M].北京:清华大学出版社,2006
[39]北京大学课题组.2007年高校毕业生就业状况的调查统计[EB/OL]. http://www.gse.pku.edu.cn/jianbao/200706.htm,2007-12-20
[40]北京大学“高等教育规模扩展与劳动力市场”课题组.2005年高校毕业生就业状况的调查分析[C].桂林:2005年中国教育经济学年会会议论文,2005
[41]北京大学课题组.2007年高校毕业生就业状况的调查统计[EB/OL]. http://www.gse.pku.edu.cn/jianbao/200706.htm
[42]财政部教育部国家开发银行关于在部分地区开展生源地信用助学贷款试点的通知(财教〔2007〕135号)[EB/OL]. http://www.xszz.cee.edu.cn/show_news.jsp?id=1347
[43]曹夕多.国家助学贷款市场与信息不对称[J].北京师范大学学报(社会科学版),2006(1):33-40
[44]陈国治,邹青.构建有效的国家助学贷款风险防范和化解机制——解套助学贷款回收难的思考[J].高等工程教育研究,2005(2) :66-68
[45]陈一壮.包含简单性方法的复杂性方法[J].哲学研究,2004(8) :64-70
[46]大学毕业生欠贷官司戏剧性变化耐人寻味. http://www.cas.ac.cn/html/Dir/2006/02/28/13/80/38.htm
[47]方便个人理财隐私将受保护,个人信用记录影响理财生活[EB/OL].http://finance.sina.com.cn/stock/t/20050705/0747176976.shtml
[48]个人征信系统在提高大学生信用意识、促进国家助学贷款政策实施方面的事例[EB/OL]. http://www.xszz.cee.edu.cn/show_news.jsp?id=883
[49]根据“教育部2006年第16次新闻发布会——介绍资助高校贫困家庭学生工作的有关情况”中的有关数据计算而得. http://www.moe.gov.cn/edoas/website18/ info20941.htm
[50]工商行网上公布欠款大学生信息惹争议.中国青年报[N].2007年7月22日,第二版
[51]巩固成果加大力度加快推进城镇居民基本医疗保险试点工作——吴仪副总理在国务院城镇居民基本医疗保险扩大试点工作电视电话会议上的讲话[EB/OL].http://news.163.com/08/0226/17/45L4NNAQ000120GU.html
[52]顾昕.城镇居民医保:筹资与付费两手抓[J].中国社会保障,2007(5) :10-12;教育动态专栏.美法院裁决,学生贷款可用社保救助金偿还[J].比较教育研究,2006(2) :91-92
[53]关于approved education scheme问答. http://mycpf.cpf.gov.sg/Members/ home. htm
[54]关于印发2008年金保工程建设工作要点的通知(劳社信息函〔2008〕5号)[EB/OL]. http://www.molss.gov.cn/gb/zt/2008-02/19/content_225126.htm
[55]关于印发华福周副部长在全国部分地区金保工程建设座谈会上的讲话的通知(劳社信息函(2006)13号)[EB/OL]. http://www.molss.gov.cn/gb/zt/2006-05/24/content_117362.htm
[56]关于印发劳动和社会保障信息化建设“十一五”规划的通知(劳社部发〔2007〕15号) http://www.molss.gov.cn/gb/zt/2007-05/31/content_180052.htm
[57]关于印发社会保障卡建设总体规划的通知(劳社部函〔1999〕213号)[EB/OL]. http://www.law-lib.com/law/law_view.asp?id=167767
[58]广东农行登报曝光535名欠款大学生. http://bbs.ustc.edu.cn/cgi/bbscon?bn= Assistant&fn=M473CF51C
[59]广东农行公开曝光500名欠款大学生[EB/OL]. http://dzh.mop.com/dwdzh/topic/ readSub_1_7895967_0_0.html,2007-11-16
[60]广东银行叫停助学贷款贫困生贷款违约率超20%. http://news.huash. com/gb/news/ 2004-04/21/content_974973.htm
[61]郭荣华,龚欣,杜美妮.新视角透视国家助学贷款违约原因[J].教育科学,2006(6) :65-69
[62]国家开发银行河南省分行开展国家助学贷款试点工作情况介绍——国家开发银行河南省分行刘浩讲话摘选[EB/OL]. http://www.xszz.cee.edu.cn/ show_news.jsp?id=873
[63]国家协调劳动关系三方会议副主席陈兰通在推进劳动合同制度实施三年行动计划视频会议上的讲话[EB/OL]. http://www.molss.gov.cn/gb/zt/2006-07/25/ content_125211.htm
[64]国家助学贷款:机制保障是关键[EB/OL]. http://edu.people.com.cn/GB/5 731864.html,2007-5-15/2007-11-21
[65]国家助学贷款财政贴息管理办法[EB/OL]. http://www.chsi.com.cn/gjzxdk/zc/ 200505/20050527/27317.html
[66]国家助学贷款风险补偿专项资金管理办法[EB/OL].http://www.chsi.com.cn/ gjzxdk/zc/200505/20050527/27316.html
[67]国家助学贷款期待各方合力推进[EB/OL]. http://www.sannong.gov.cn/ snxw/200610130054.htm.
[68]国务院办公厅.关于助学贷款管理的若干意见(国办发〔2000〕6号). http://www.xs zz.ce e.edu.cn/show_news.jsp?id=782,2000-2-1
[69]国务院关于开展城镇居民基本医疗保险试点的指导意见(国发〔2007〕20号)[EB/OL]. http://www.gov.cn/zwgk/2007-07/24/content_695118.htm
[70]国务院机构改革新组建五个部两个局[EB/OL]. http://news.qq.com/a/ 20080311/006997.htm
[71]河南省国家助学贷款工作试点情况介绍——河南省教育贷款管理中心主任宋振讲话摘选[EB/OL]. http://www.csa.cee.edu.cn/(jsurbl45rpb0sg555g4edwzn)/ show.aspx?articleid=505,2006-11-6
[72]河南省累计发放国家助学贷款16.6亿元——国家助学贷款“河南模式”运行良好[EB/OL]. http://www.hadoe.gov.cn/Html/jydt/2007-11/9/ 11091602510711916025145105937.html, 2007-11-9
[73]河南省属高等学校国家助学贷款管理暂行办法[EB/OL]. http://www.sqzy.edu.cn/xingzhengjigou/zhuxuedaikuanguanlibangongshi/zhengcefagui/20070727/1050.html
[74]侯爱民.以征信系统建设为突破口打造社会诚信体系[J].广西金融研究,2005(1) :47-51
[75]侯玉红,吴选兴.高校对助学贷款违约毕业生进行入户调查的有益探索[J].教育财会研究,2006(6) :21-24
[76]胡晓义.把好事办好办实——关于城镇居民基本医疗保险制度的思考[J].中国社会保障,2007(11) :16-19
[77]黄敬宝.国家助学贷款:问题、原因与对策[J].现代金融,2006(3):3-5
[78]黄利.新劳动合同法力破劳资失衡怪局[J].新华月报,2007(8):28-29
[79]加纳概况[EB/OL]. http://gh.china-embassy.org/chn/ghgk/t177919.htm
[80]教育部、财政部、人民银行、银监会.关于进一步完善国家助学贷款工作的若干意见[EB/OL]. http://www.xszz.cee.edu.cn/show_news.jsp?id=773
[81]教育部.2006年全国教育事业发展统计公报[EB/OL]. http://www.moe.edu.cn/edoas/website18/info29052.htm
[82]教育部2005年第11次新闻发布会.介绍以国家助学贷款为重点的高校贫困家庭学生资助工作有关情况[EB/OL]. http://202.205.177.12/edoas/website18/info15786.htm
[83]教育部2006年第16次新闻发布会介绍资助高校贫困家庭学生工作的有关情况[EB/OL]. http://www.moe.gov.cn/edoas/website18/info20941.htm
[84]教育部2006年第20次新闻发布会.介绍高校资助家庭经济困难学生工作有关情况和国家助学贷款代偿资助办法[EB/OL]. http://www.edu.cn/topic_652/20060914/t20060914_196689.shtml
[85]教育部发布会:寻解决助学贷款高违约率机制[EB/OL]. http://www.jyb.com.cn/zs/gxzs/ptgxzs/zszx/t20060915_37356.htm
[86]金保工程[EB/OL]. http://www.china.org.cn/chinese/zhuanti/492090.htm
[87]劳动保障部: 2020年所有居民均能“老有所养”[EB/OL].http://www.molss.gov.cn/gb/news/2007-11/12/content_208913.htm
[88]劳动保障部将进一步加大协调劳动关系工作力度[EB/OL]. http://www.gov.cn/wszb/zhibo163/content_781652.htm,2007-10-22
[89]劳动和社会保障部副部长刘永富做客强国[EB/OL]. http://www.people.com.cn/GB/32306/33093/76070/76072/index.html,2006-12-20
[90]劳动和社会保障部民政部答记者问[EB/OL]. http://news.cn.yahoo.com/08-03-/1028/2ixql.html
[91]劳动和社会保障事业发展“十一五”规划纲要(2006年-2010年)(国发[2006]35号)[EB/OL]. http://www.molss.gov.cn/gb/zt/2006-11/08/content_146879.htm
[92]李红桃,沈红.美国降低国家担保学生贷款拖欠率的应验及启示[J].比较教育研究,2003(1) :63-66
[93]李红桃,朱俊文.美国联邦担保学生贷款的经验及其启示[J].教育与经济,2002(4) :54-58
[94]李惠清.美法院裁决学生贷款可用社保救助金偿还[J].比较教育研究,2006(2) :91-92
[95]李战鹰.学生贷款制的是与非——国际上关于学生贷款问题的争议[J].比较教育研究,1998(2) :15-18
[96]梁爱华,沈红.加纳养老金学生贷款及其失败的原因分析[J].现代教育科学,2007(2) :44-47
[97]梁爱华,沈红.美国特别津贴及其启示[J].高等工程教育研究,2007(1) :94-96
[98]梁爱华.我国商业银行学生贷款中的“惜贷”问题探讨——以美国联邦家庭教育贷款为参考[J].高等教育研究,2006(12):50-54
[99]刘丽芳,沈红.“按收入比例还款”的国际争议[J].教育与经济,2006(2) :36-38
[100]刘铮、周婷玉、崔静.社会保险法草案23日首次提请全国人大常委会审议[EB/OL]. http://www.molss.gov.cn/gb/news/2007-12/25/content_216509.htm
[101]卢乃桂,柯政.教育政策研究的类别、特征和启示[J].比较教育研究,2007(2) :27-31
[102]南非概况[EB/OL]. http://news3.xinhuanet.com/ziliao/2002-06/19/content_447646.htm
[103]南非教育. http://www.chinese-embassy.org.za/chn/nfgk/jbqk/t248478.htm
[104]潘光林,郭谊.论诚信与构建和谐社会的诚信体系[J].集团经济研究2006(4)(总第196期) :15-16
[105]齐晓宁,于永双.大学生助学贷款偿还问题探讨[J].农业高等教育,2006(5) :90-92
[106]全国社会保障基金投资管理暂行办法(财政部令第12号)[EB/OL]. http://finance.sina.com.cn/y/20011220/156953.html
[107]全国学生资助管理中心.广东省与国家开发银行国家助学贷款合作业务正式启动[EB/OL]. http://www.xszz.cee.edu.cn/show_news.jsp?id=815
[108]全国学生资助管理中心.吉林获两亿元助学贷款[EB/OL]. http://www.moe.edu.cn/edoas/website18/info24735 .htm;
[109]人力资源和社会保障部主要负责人及领导班子组成[EB/OL]. http://www.gov.cn/rsrm/2008-03/21/content_925689.htm
[110]人力资源社会保障部公布一季度就业和社保情况[EB/OL]. http://www.mohrss.gov.cn/mohrss/Desktop.aspx?path=/mohrss/InfoView&gid=8f371369-943b-40ef-ac66-15dbd6bf0c0b&tid=Cms_Info.2008-4-18
[111]任辉.韩国开展助学贷款对我国的启示[J].经济师,2006(2) :84-85
[112]上海:银行大规模起诉欠贷大学生首批涉百人[EB/OL]. http://news.xinhuanet.com/legal/2006-09/04/content_5046938.htm.
[113]沈华,沈红,黄维.学生贷款偿还负担的国际比较及我国的实证研究[J].比较教育研究,2004(10) :38-43
[114]沈华.中国国家助学贷款多元化偿还模型设计——给予高等教育个人收益率差异的计量[D].华中科技大学,2005
[115]汤耀国,郭久辉,郑黎.事业单位养老保险改革艰难的探索[J].社会保障研究,2006(9) :22-33
[116]陶迪,肖闪.助学贷款的另一种选择:由社保基金来发放贷款[J].北方经贸,2006(12) :77-79
[117]陶红.美国联邦学生贷款制度、偿还机制及违约处理[J].教育与经济,2005(1) :59-61
[118]田成平:全国参加工伤保险的企业职工已达1.15亿人[EB/OL]. http://finance.people.com.cn/GB/8215/59386/6455390.html
[119]田成平在全国劳动保障工作会议暨全国劳动保障系统优质服务窗口单位表彰会上的讲话[EB/OL]. http://www.molss.gov.cn/gb/news/2007-12/21/content_215712.htm
[120]田虎伟.混合方法研究——美国教育研究方法的一种新范式[J].高等教育研究,2006(11) :74-78
[121]王建红.对国家助学贷款政策的思考与建议[J].西安金融,2006(11) :43-44
[122]网络调查:大学毕业生3年内跳槽达七成[EB/OL].http://www.china.com.cn/chinese/diaocha/1116822.htm.2006-2-9
[123]文年.远行南非随笔[EB/OL]. http://www.bt163.net/btwx/nfyx.htm
[124]我国今年稳步推进新型农村社会养老保险制度[EB/OL]. http://www.cctv.com/news/xwlb/20060110/101968.shtml
[125]项怀诚:社保政策改革机遇与挑战[EB/OL]. http://www.crifs.org.cn,2008.1.2
[126]晓宏.美国是怎样防范助学贷款违约的[J].中国社会导刊2006(19) :59-61
[127]肖华茵,季俊杰,沈红.国家助学贷款利率政策的实施效应[J].高等工程教育研究,2007(3) :69-73
[128]肖新生.建立长效激励约束机制推进我省国家助学贷款业务的持续健康发展[RB/OL]. http://www.xszz.cee.edu.cn/show_news.jsp?id=10002006-3-9
[129]信息传真.近年来我国社会保险基本情况[J].社会保障制度,2008(2):78
[130]新设人力资源和社会保障部:主要职能见分晓[EB/OL]. http://news3.xinhuanet.com/politics/2008-04/01/content_7894957.htm
[131]徐莉,石晓春.助学贷款制度创新[J].高等教育研究,2006(4) :30-34
[132]徐兴国.日本国家大学生贷款回收保障体系研究[J].教育与经济,2007(1) :64-68
[133]学生欠助学贷款被判助贷违约率达28.4%[EB/OL]. http://www.edu.cn/20060522/3191131.shtml
[134]颜立茹.由养老保险金提供助学贷款比商业银行更合适[J].保险研究,2006(7) :72-73
[135]央视《对话》:对话央行副行长苏宁——信用有价[EB/OL]. http://news.sina.com.cn/c/2007-11-19/092314337853.shtml,2007-11-19/2007-11-20
[136]养老改革发展的新形势[R].武汉:2007年和谐社会构建与社会保障国际论坛,2007
[137]岳昌君.2007年高校毕业生就业状况抽样调查分析[R].北京:教育经济学年会,2007
[138]张民选.关于大学生资助政策发展得比较研究[J].教育研究,2007(4) :3-9
[139]张小路.现代社会诚信体系及其建设[J].河北学刊,2004(5) :102-106
[140]赵飞,熊晓燕,朱健华.“生源地助学贷款”期待“近水解远渴”[EB/OL]. http://learning.sohu.com/20070919/n252240937.shtml
[141]赵中建.加纳学生贷款计划评述[J].外国教育资料,1995(1) :58-63
[142]珍妮.分类背后的利益之手——联合国等国际组织关于发展中国家的分类研究[J].WTO经济导刊,2005(7)
[143]郑秉文.社保立法应考虑征缴模式选择的约束性[J].社会保障制度,2008(1):23-27
[144]中共中央办公厅国务院办公厅印发.《2006-2020年国家信息化发展战略》[EB/OL]. http://www.economicdaily.com.cn/no1/newsmore/200605/09/t20060509 _120618.shtml
[145]中国工商银行股份有限公司北京市分行债务催收公告[EB/OL]. http://www.chsi.com.cn/xlrz/200707/20070717/1025246.html
[146]中国工商银行股份有限公司广东分行营业部债务催收公告[EB/OL]. http://www.chsi.com.cn/xlrz/200611/20061121/697592.html
[147]中国人民银行,教育部,财政部.关于国家助学贷款的管理规定(试行)(国办发[1999]58号文件)[EB/OL]. http://www.xszz.cee.edu.cn/show_news.jsp?id=786
[148]中国人民银行助学贷款管理办法[EB/OL]. http://www.edu.cn/20030904/3090361.shtml,2000-8-26
[149]中国社会保障记者.跨越发展的五年——十六大以来社会保险事业发展回顾[J].中国社会保障,2007(10) :17-20
[150]中国住南非使馆.教育[EB/OL]. http://www.chinese-embassy.org.za/chn/nfgk/jbqk/t248478.htm
[151]中华人民共和国国家统计局2000年、2001年和2002年国民经济和社会发展的统计公报[EB/OL]. http://www.stats.gov.cn/tjgb/
[152]助学贷款,高校为何处境尴尬[EB/OL]. http://edu.people.com.cn/GB/6594873.html,2007-11-3
[1] Albrecht, D. & Ziderman, A. (1991) Deferred cost recovery for higher education: student loan programs in developing countries (Vol.137). Washington, D.C.: The World Bank
[2] Chapman, B. & Ryan, C. (2003)“The access implications of income contingent charges for higher education: lessons from Australia”[C]. Discussion Paper No.463
[3] Chapman, B. (2007) Income Related Student Loans: Concepts, International Reforms and Administrative Challenges. Springer Netherlands
[4] Highlights of discussions [A]. International Conference on Financing of Higher Education in Eastern and Southern Africa [C], Tanzania: Dar-es-Salaam,2002
[5] Johnstone, B. (2006) Financing Higher Education: Cost-Sharing in International Perspective. Massachusetts: Boston College Chestnut Hill
[6] Kim, A. & Lee, Y. (2004) Student loan schemes in the Republic of Korea: review and recommendations, Bangkok: UNESCO Bangkok/IIEP
[7] King, E. (1979) Other Schools and Ours: Comparative Studies for Today, London: Holt, Rinehart and Winston.
[8] Woodhall, M. (1983) Student Loans as a Means of Financing Higher Education Lessons from International Experience. Washington, D.C.: The World Bank.
[9] Woodhall, M. (1987) Lending for learning: Designing a student loan programme for developing countries. London: Commonwealth Secretariat
[10] Ziderman, A. & Albrecht, D. (1995) Financing Universities in Developing Countries, London: The Falmer Press
[11] Ziderman, A. (2004) Policy options for student loan schemes lessons from five Asian case studies. Bangkok: UNESCO Bangkok/IIEP
[12] 2006 Annual Report [EB/OL]. https://www.nsfas.org.za/web/view/general/reports/annual_rep2006
[13] 2006 Supplement report [EB/OL]. http://www.ghana.gov.gh/dexadd/2006suppl.pdf.2006-8-10.
[14] Act No.56.of 1999, NATIONAL STUDENT FINANCIAL AID SCHEME ACT, 1999 [EB/OL]. https://www.nsfas.org.za/resources/21/a56-99.pdf.2007-12-16
[15] Administrative Costs as a Percentage of Total Expenditure [EB/OL]. https://www.nsfas.org.za/web/view/general/statistics/loanstatistics
[16] Atuahene, F. Higher Education Finance in Ghana [EB/OL]. http://www.bc.edu/bc_org/avp/soe/cihe/newsletter/Number50/p20_Atuahene.htm
[17] Barr, N. (2007)“Financing higher education: lessons from developed economies, option for developing economies”[C].RBCED, January 16-17, 2007. Beijing, China
[18] Boatin, K. Nyarko, E. (2006) Management and Performance Challenges Encountered in the Investment of Social Security Funds-The Experience of the Social Security and National Insurance Trust of Ghana [R].ISSA REGIONAL CONFERENCE FOR ASIA AND THE PACIFIC, New Delhi, India. www.issa.int/pdf/newdelhi06/2nyarko.ppt,2007-12-29
[19] CEO’s Introduction[EB/OL].https://www.nsfas.org.za/resources/169/CEOs Introduction.pdf
[20] Chapman, B. (2005) Income Contingent Loans for Higher Education: International Reform. Discussion Paper No.491
[21] Collections and Customer Care Report [EB/OL]. https://www.nsfas.org.za/resources/169/CCC.pdf
[22] Court orders companies to pay debt to SSNIT [EB/OL]. http://www.ssnit.com./news_ssnit.cfm?departmentID=1,2006-04-21
[23] Education Lenders and Student Loans [EB/OL]. www.finaid.org/loans/educationlenders.html
[24] Effah, P. Country Higher Education Profiles Ghana [EB/OL]. http://www.bc.edu/bc_org/avp/soe/cihe/inhea/profiles/Ghana.htm,2006-07-12
[25] Finance Report [EB/OL]. https://www.nsfas.org.za/resources/169/FinanceA.pdf
[26] Foreword: Minister of Education [EB/OL]. https://www.nsfas.org.za/resources/169/ForewordMinisterofEdu.pdf
[27] Ghana Education Trust Fund Act [EB/OL]. ww.getfund.org/aboutus/getfundact.pdf
[28]《Ghana Education Trust Fund Act 2000》[EB/OL]. www.getfund.org/aboutus/getfundact.pdf
[29] Ghana's Education System [EB/OL]. http://www.ghana.gov.gh/studying/education/index.php,2006-7-20
[30] Harsch, E. Ghana grapples with university fees- National debate is launched over“cost-sharing”dilemmas [EB/OL]. www.un.org/ecosocdev/geninfo/afrec/subjindx/142educ5.htm
[31] How to repay nsfas? [EB/OL]. http://www.capegateway.gov.za/eng/pubs/public_info/S/96203/2
[32] Information Technology Report [EB/OL]. https://www.nsfas.org.za/resources/169/ITreport.pdf
[33] Jackson, R. (2002)“The National Student Financial Aid Scheme of South Africa (NSFAS): How and Why it Works”[A]. Burton LM Mwamila, Issa Omari, Eva Mbuya eds. Financing of Higher Education in Eastern and Southern Africa- Diversifying Revenue and Expanding Accessibility[C]. Tanzania: Dar-es-Salaam
[34] Johnstone, B. (2006) Financing Higher Education: Cost-Sharing in International Perspective [EB/OL]. www.gse.buffalo.edu/org/intHigherEdFinance/publications.html
[35] Kotey, N. (1992)“Student loans in Ghana”. Higher Education, Vol.23 , No.4, pp. 451-459
[36] Management Report[EB/OL]. https://www.nsfas.org.za/resources/169/ManagementReport.pdf,2007-12-15
[37] National Credit Act(No.34 of 2005)[EB/OL]. www.info.gov.za/gazette/acts/2005/a34-05.pdf
[38] Nortey ,O. (2002) Students'loan Scheme-The Ghanaian Experience[A]. International Conference on Financing of Higher Education in Eastern and Southern Africa [C]. Tanzania: Dar-es-Salaam
[39] NSFAS. Annual Report 2007 [EB/OL]. https://www.nsfas.org.za/resources/170/NSFASAnnualReport2007.pdf,2008-1-12
[40] DEMOGRAPHICS [EB/OL]. http://www.nsfas.org.za/web/view/general/statistics/loanstatistics
[41] General Main Page [EB/OL]. http://www.nsfas.org.za/web/view/general/general_home/generalhome
[42] History [EB/OL]. http://www.nsfas.org.za/web/view/general/information/history
[43] NSFAS Fact Sheet [EB/OL]. https://www.nsfas.org.za/web/view/general/statistics/loanstatistics
[44] Operational Info [EB/OL]. http://www.nsfas.org.za/web/view/general/organisation/ OperationalInfo.2007-12-17
[45] You can afford to dream-10 Things you need to know about NSFAS [EB/OL]. https://www.nsfas.org.za/web/view/students/student_home/studenthome
[46] Promotion of Access to Information Act [EB/OL]. https://www.nsfas.org.za/resources/164/PAIA-section51manual.pdf
[47] Rossouw, H. (2001)“Bad Loans Burden Ghana's Student Aid”. The Chronicle of Higher Education. Washington: No.2, Vol.48
[48] Salmi, J. (1999) Student loans in an international perspective: The World Bank Experience [EB/OL]. www1.worldbank.org/education/lifelong_learning/publications/student_loans.pdf
[49] Samoff, J. Carrol, B. From Manpower Planning To The Knowledge Era: World Bank Policies on Higher Education in Africa [EB/OL]. http://aafaq.kfupm.edu.sa/features/Carrol.pdf#search=%22From%20Manpower%20Planning%20To%20The%20Knowledge%20Era%3A%20World%20Bank%20Policies%20on%20Higher%20Education%20in%20Africa%22
[50] Shen, H. (2004)“The most urgent problem on student loan scheme in China: repaymen”. Harvard China Review Harvard, Spring 2004, pp.93-97
[51] SSNIT. Loan disbursement and repayment [EB/OL]. http://www.ssnit.com/corpDetails_n.cfm?EmpID=12&CorpID=5,2006-4-21
[52] SSNIT. Students'Loan-Institutions that qualify for the students' loan [EB/OL]. http://www.ssnit.com/corpDetails_n.cfm?EmpID=16&CorpID=5,2006-7-20
[53] SSNIT. Students'Loan-the borrower or the guarantor [EB/OL]. http://www.ssnit.com/corpDetails_n.cfm?EmpID=13&CorpID=5,2006-7-20
[54] Statistics in Brief [EB/OL]. http://www.uis.unesco.org/profiles/EN/EDU/countryProfile_en.aspx?code=2880
[55] Students'Loan Institutions that qualify for the students'loan [EB/OL]. http://www.ssnit.com/corpDetails_n.cfm?EmpID=16&CorpID=5,2006-7-20
[56] Tibuahson, K. (2003) A Review of the State Pension Scheme in Ghana [D].City University London,http://www.cass.city.ac.uk/facact/dissertation/actsci/MScDissertationJune2003byKofiTibuahson.pdf
[57] UNESCO institute fort statistics. Statistics in Brief-Education in Ghana [EB/OL]. http://www.uis.unesco.org/profiles/EN/EDU/countryProfile_en.aspx?code=2880, 2006-5-20
[58] US Department of Education (2003) Repayment Book: William D. Ford Federal Direct Loan Program. Washington, D.C.: Department of Education [EB/OL]. http://www.ed.gov/directLoan/pubs/repabook/index.html
[59] Usher, A. (2005) Much ado about a very small idea: straight talk on income-contingent loans [EB/OL]. http://www.educationalpolicy.org
[60] Usher, A. (2005) Global debt patterns: an international comparison of student loan burdens and repayment conditions [EB/OL]. http/www.educationalpolicy.org
[61] What Is Interest and why does NSFAS charge It? [EB/OL]. http://www.capegateway.gov.za/eng/pubs/public_info/S/96203/2
[62] Why does NSFAS register NSFAS loanees with Credit Bureaus?[EB/OL]. https://www.nsfas.org.za/web/view/students/loanees/FAQ4
[63] Woodhall ,M. (2002)“Student loans: potential, problems and lessons from international experience”[A].Financing of higher education in eastern and southern Africa [C].Tanzania: Dar-es-Salaam
[64] Woodhall, M. Student Loans as a Means of Financing Higher Education-Lessons from International Experience [EB/OL]. http://www-wds.worldbank.org/external/default/main?pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187511&theSitePK=523679&entityID=000178830_98101903420656&searchMenuPK=64187511&theSitePK=523679
[65] World development report 2007 [EB/OL]. http://www-wds.worldbank.org/external/default/WDSContentServer/IW3P/IB/2006/09/13/000112742_20060913111024/Rendered/PDF/359990WDR0complete.pdf
[66] Ziderman, A. & Albrecht, D. (1993)“Cost Recovery for Higher Education:Are Student Loans an Effective Instrument?”. World Bank Research Observer, Vol.8, No.1, pp.71-90