美国'耶鲁计划'的实施及其启示

摘要

始于1971年的美国"耶鲁计划"是世界上首个实施"接收入比例还款贷学金"项目,也是首例由高等学校主导的学生贷款项目.文章概括了"耶鲁计划"的基本内容,分析了"耶鲁计划"中止的原因.同时,总结出"耶鲁计划"给我们的启示:高等学校不宜承担学生贷款项目的回收责任;发挥个税征收系统在学生贷款回收中的积极作用;尝试多样化还款方式,降低毕业生还款负担.%American Yale Plan,initiated in 1971,is the first Income-contingent Student Loan and university-based student loan program.This article summarized the basic characteristic of Yale Plan and analyzed the reason why Yale Plan stopped.Furthermore,the paper summarized the lessom:higher education institution is not a good option to collect the student loan;income tax collection system could be used as an important role in collecting student loan;institute the various repayment to reduce the graduate repayment burden.