The research of Japanese "educational loan" and "educational endowment insurance" system

日本“教育贷款”和“教育养老保险”制度研究

• 批准号: 21730663
• 负责人: SHIRAKAWA Yuji
• 金额: $ 1.08万
• 依托单位: Chiba University
• 依托单位国家: 日本
• 项目类别: Grant-in-Aid for Young Scientists (B)
• 财政年份: 2009
• 资助国家: 日本
• 起止时间: 2009 至 2010
• 项目状态: 已结题
• 来源: https://kaken.nii.ac.jp/grant/KAKENHI-PROJECT-21730663/
• 关键词: 教育ローン; 奨学金制度; 教育費; 学資保険; 学費支援; 学費; 教育財政

We had questionnaire research to commercial banks and other banking establishments about "educational loan". This research shows that "Educational loan" remain constant social needs. But Installment Sales Act revised on 2008 and came into force on 2009, many banks abolished educational loan that cooperates with university or other educational institution. But other banks carry on the cooperated educational loan. Correspondence to law revision is different according to each bank.We compare National scholarship loan system by JASSO(Japan Student Services Organization) with educational loans by commercial banks, scholarship loan system has very significant features. There are intent-free loan, long-term deadline to repayment, and forgiven of repayment for excellent graduate students. This brought a reevaluation of National scholarship loan system.

我们对商业银行和其他银行机构就“教育贷款”进行了问卷调查。本研究表明，“教育贷”仍然是持续不断的社会需求。但2008年《分期付款销售法》修订并于2009年生效后，许多银行取消了与大学或其他教育机构合作的教育贷款。而其他银行则开展合作教育贷款。各银行对法律修改的对应程度不同。将JASSO（日本学生支援机构）的国家奖学金贷款制度与商业银行的教育贷款制度进行比较，奖学金贷款制度具有非常显着的特征。有无意向贷款、还款期限长、优秀研究生免还款等。这带来了国家奖学金贷款制度的重新评估。

项目成果

民間金融機関による教育ローンの現況分析

民间金融机构教育贷款现状分析

• 发表时间: 2011
• 作者: 白川優治

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