国家助学贷款承办主体的变迁：组织理论视角

The Evolution of National Student Loan Undertaking Entities: An Organizational Theory Perspective

摘要

本研究以组织理论视角，探讨了国家助学贷款承办主体从商业银行向政策性银行转变的原因及其影响。通过理论分析和实证研究，发现这一转变主要源于政策性银行能够更好地满足助学贷款的社会公益性和长期性需求。政策性银行的介入显著提高了助学贷款的可及性和公平性，同时有效降低了贷款的市场风险。本研究为完善国家助学贷款体系提供了理论依据和实践指导，并对组织理论的发展做出了贡献。

Abstract

This study explores the reasons and implications of the transformation of the Chinese student loan delivery entity from commercial banks to policy banks from an organizational theory perspective Through theoretical analysis and empirical research, it is found that this transformation mainly originates from the policy bank’s better ability to meet the social welfare and long-term nature of student loans The involvement of policy banks significantly enhances the accessibility and equity of student loans, while effectively reducing market risks. This study provides theoretical basis and practical guidance for improving China’s student system, and contributes to the development of organizational theory.

关键词

国家助学贷款 / 承办主体变迁 / 组织变革

Key words

National student loan / Change of main body / Organizational change.

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