| 黄维，张珊.学生贷款对中国女大学生学业发展的影响[J].教育经济评论,2017,2(1):67-85 |
| 学生贷款对中国女大学生学业发展的影响 |
| The Impact of Student Loans on the Academic Development of Chinese Female Undergraduates |
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| DOI： |
| 中文关键词: 学生贷款；女大学生；学业发展；倍差法；倾向得分匹配法 |
| 英文关键词: student loans；female students；academic performance；DID；PSM |
| 基金项目:国家自然科学基金项目“基于系统动力学的高校生均成本和学费交互增长的因素、机理与政策仿真研究”（71373032），湖南省教育经济与财政研究基地2013 年度招标课题“学生贷款对我国大学生学业表现的影响”（13JCJA1）。 |
| 作者 | 单位 | | 黄维，张珊 | 黄维，长沙理工大学经济与管理学院；张珊，长沙理工大学经济与管理学院。 |
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| 中文摘要: |
| 女大学生是中国学生贷款的重要获贷群体，对学生贷款影响女大学生学业发展进行计量分析有助于政策效果的评估。本研究利用全国6139位女大学生的追踪调查数据，在控制大一时基线成绩的基础上，采用倍差法（DID）和倾向得分匹配法（PSM）相结合的研究方法，检验了学生贷款对女大学生学业发展的影响。研究发现，当前的学生贷款总体上对中国女大学生的学业发展产生了抑制效应而不是激励效应，即学生贷款降低了女大学生的学习成绩，在短期内增加了她们的打工时间，对她们的学习时间没有影响；同时，学生贷款增加了中国女大学生的偿债压力，刺激了她们要尽早进入劳动力市场就业，从而降低了她们继续攻读研究生的毕业选择。本研究为中国学生贷款的政策改进提供了经验证据。 |
| 英文摘要: |
| Female college students are an important loans getting group of Chinese student loans，and quantitative analysis of the impact of student loans on female students academic development will help us to evaluate the policy effect.For this study，we use a national longitudinal survey of 6139 female college students，which is based on a baseline control of freshman grades，and combine Difference in Difference method (DID)with Propensity Score Matching (PSM)research methods to test the impact of student loans on female college students academic development.The study finds that the current student loans has produced an inhibitory effect but not the incentive effect on Chinese female college students academic development on the whole，which really means that student loans has lowered female college students learning achievement，increased their working time in the short term，and has no effect on their learning time；at the same time，student loans has increased debt pressure of Chinese female college students，stimulated them to enter into the working market as early as possible，so that their choice of going on graduate studies has been reduced.This study has provided empirical evidence for the policy improvement of Chinese student loans. |
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