The Dual Policy Objectives of National Student Loans: Fiscal and Social Policy Goals

JI Xiaohui; LI Hang; WU Han

doi:10.19979/j.cnki.issn10082689.2024090138

Volume 42 Issue 1

Feb. 2026

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JI Xiaohui, LI Hang, WU Han. The Dual Policy Objectives of National Student Loans: Fiscal and Social Policy Goals[J]. Journal of University of Science and Technology Beijing ( Social Sciences Edition), 2026, 42(1): 46-57. doi: 10.19979/j.cnki.issn10082689.2024090138

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JI Xiaohui, LI Hang, WU Han. The Dual Policy Objectives of National Student Loans: Fiscal and Social Policy Goals[J]. Journal of University of Science and Technology Beijing ( Social Sciences Edition), 2026, 42(1): 46-57. doi: 10.19979/j.cnki.issn10082689.2024090138

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The Dual Policy Objectives of National Student Loans: Fiscal and Social Policy Goals

doi: 10.19979/j.cnki.issn10082689.2024090138

1.
Institute of Higher Education, Beijing Academy of Educational Sciences, Beijing 100036, China
2.
Beijing Huizhong Education Research Institute, Beijing 100084, China

Received Date: 2024-09-26
Available Online: 2025-12-01
Publish Date: 2026-02-25

Abstract

Abstract

How to adapt the national student loans to the needs of economically disadvantaged students in the popularization stage of higher education is a major issue related to the construction of a powerful country in higher education. The purpose of student loans is to achieve two interrelated but contradictory policy goals: One is the financial policy goal of cost sharing of higher education, and the other is the social policy goal of ensuring the equity of higher education. Based on the in-depth analysis of the policy adjustment of the national student loan in different stages of higher education development, such as the funding object, loan interest rate, financial subsidies, combined with the relevant statistical data, this paper believes that the national student loan policy achieves the dual goals of education equity and cost sharing through dynamic adjustment, but the tension between the policy objectives of education equity and cost sharing is prominent under the background of the construction of a powerful country in higher education. This paper suggests that the national student loan policy should be further improved during the period of building a powerful country in higher education. The specific strategies include: Adhering to the value orientation of higher education equity, and cooperating with general commercial student loans to improve the cost sharing mechanism of education; reasonably setting the upper limit of the total amount of national student loans available to students, and improving the preventive measures for loan repayment to reduce the default rate; optimizing the allocation of financial subsidies to improve the efficiency of financial subsidies for national student loans; broadening the scope of application of loan compensation, and exploring the loan repayment mechanism linked to employment. These measures are aimed at finding the best balance between the cost sharing of the national student loan policy and the goal of educational equity, and ensuring the human capital demand for the construction of a modern socialist power.
- student loans,
- national student loans,
- cost sharing,
- educational equity

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References(40)

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