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随着国民经济的增长以及教育成本的提高,大学学费也相应逐年提高.但是我国还存在相当数量的贫困生.助学贷款是解决贫困生完成学业的重要途径.论文站在助学贷款被助者的立场上,将被助者获得的经济效益进行了具体的定量化分析.首先分别讨论了两期不考虑银行利息率和考虑银行利息率情况下,基于CES型效用函数的助学贷款被助者经济效益的计算模型,然后分析了如何计算多期银行利息率情况下贷款被助者的经济效益.最后针对被助群体进行实证分析、计算并得出结论.
With the growth of the national economy and the increase of education costs, the tuition fees of universities have correspondingly increased year by year, but there are still a large number of poor students in our country.Student loans are an important way to solve the problem of poor students completing their studies. , This paper analyzes the economic benefits obtained by the benefactors quantitatively.Firstly, we discuss separately the two types of student loans based on the CES-type utility function without considering the bank interest rate and considering the bank interest rate And then analyzes how to calculate the economic benefits of the loan-assisted persons under the condition of multi-period bank interest rate.At last, empirical analysis is conducted for the group to be assisted, and the conclusion is drawn.