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Student Loans Repayment in China: Designing a New Model to Ease the Repayment Burden

机译:中国助学贷款还款:设计一种减轻还款负担的新模式

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摘要

The relatively short repayment periods of four or six years after graduation under the Government-Subsidized Student Loan (GSSL), the main student loans programme in China, has, since its implementation in 1999, imposed considerable hardship in repaying loans. This paper presents a new diversified repayment model, the 'geometric proportion repayment' model in which the repayment ratio is kept within 10 per cent of income, thus both easing the burden of repayment and reducing subsequent default. The results of an ordinal regression model, based on data from a sample of university graduates, provides a method of estimating the (unknown) salaries of graduate borrowers on the basis of known information of their work/employment situation.
机译:在中国主要的学生贷款计划-政府资助的学生贷款(GSSL)下,毕业后的还款期相对较短,为四到六年,自1999年实施以来,这在偿还贷款方面造成了相当大的困难。本文提出了一种新的多元化还款模型,即“几何比例还款”模型,该模型中的还款率保持在收入的10%以内,从而既减轻了还款负担,又减少了随后的违约情况。基于来自大学毕业生样本数据的有序回归模型的结果,提供了一种基于毕业生工作或就业状况的已知信息来估算毕业生借款人(未知)工资的方法。

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