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助学贷款制度建设问题是目前国内理论与实践领域的热点和难点。尽管相关研究在多学科领域取得了深入发展,但尽快制定助学贷款相关法律是理论界与实务界的基本共识,而法又是以权利义务为核心内容的。总体来看,国内助学贷款法律关系的相关研究十分薄弱且零散。在公平与效率之间,目前的助学贷款的经济学研究更倾向于效率。未来的研究应多倾向于法理分析,使助学贷款法能够真正从“管理法”走向“权利法”。
The construction of student loan system is a hot and difficult issue in the field of theory and practice at present. Although related researches have made in-depth development in multidisciplinary fields, it is a basic consensus of theoretical circles and substantive circles that the relevant laws on student loans should be formulated as soon as possible, and the law takes the rights and obligations as the core. On the whole, the related research on the legal relationship of domestic student loans is very weak and fragmented. Between fairness and efficiency, current economic studies of student loans tend to be more efficient. Future studies should be more inclined to jurisprudential analysis, so that student loans law can truly “management law ” to “rights law ”.