【摘要】 无论从目前我国教育需求的现状、教育信贷的需求对象、借款者的还贷能力、自动可执行协议的声誉机制理论、中国的社会文化背景以及银行的贷款心理 ,还是从新凯恩斯主义的金融市场崩溃理论来看 ,我国目前教育信贷改革势在必行。目前教育信贷较为繁琐的手续和贷款抵押制度不取消 ,教育信贷市场的规模就不会壮大 ,也就难以真正刺激教育需求 ,也必然难以对目前的扩大内需政策起到积极作用 ,目前的虚假的“过剩”将会持续下去更多还原

【Abstract】 This paper expounds the situation of education loan, demanders and their ability to return, self-enforcing agreement theory, Chinese culture background, and loaders’ psychology. It is high time that the reform of educaton loan were carried out.Combined with Allocation of Credit and Financial Collapse Theory, it is concluded that the education loan market can’t make a great development until the overelaborate procedure and unnecessary mortgage conditions are abolished. Otherwise, it is difficult to stimulate the demand of education effectively and the false surplus will continue.更多还原