国家法难行之源：国家主义抑或人本主义——从“依法收贷案”切入

以前有关“依法收贷案”的研究文章都认为这里的“法”就是“现行国家法”,但对此案细致分析发现并非如此,而是“王法”即中国传统法。中国国家法自古至今有一种严重的国家主义倾向（而今表现为一种现代化倾向）,缺乏一种现代法律所需要的人本主义精神因素,因此,国家法只得到了国家外部力量的推动,缺乏内部力量的驱动,其社会化动力不足。其社会化程度远低于中国传统的“法”与“德”,最终被“王法”置换,为中国传统的“德”所打败。     

NUMBERS

正7.37 mln The newly employed population in China's urban areas in the first half of 2014,with the registered unemployment rate remaining low at 4.08percent14.17 tln yuan Total outstanding loans to small and micro-enterprises at the end of June,an increase of 15.7percent year on year     

经济学视野下的国家助学贷款问题探析

国家助学贷款鲜明特征是，政策性较强、资助对象及目的具有特定性、风险性较高。目前高校助学贷款制度实施存在一些问题。一是银行运行成本高，贷款风险大；二是学生诚信守约意识淡薄；三是贷款发放不平衡，供求矛盾突出。为此，一要构建完善的社会信用体系，创造良好的信用环境；二要大力推行生源地助学贷款；三要不断加强大学生的诚信教育；四要进一步完善高校贫困生资助体系，缓解国家助学贷款压力；五要完善立法，降低银行的风险。     

England's New Scheme for Funding Higher Education through Student Fees: ‘Fair and Progressive’?

From September 2012 most home undergraduates at English universities are being charged fees of £9,000 per annum. These are funded by a government loan, which attracts interest from the moment they start their course; after three years their accumulated debt exceeds £30,000. They can also borrow to cover their living costs, on the same terms, so that those studying in London can graduate with a debt of more than £50,000—although those from low‐income families can obtain grants and universities are encouraged to provide bursaries and other support to students from underrepresented groups. Graduates start repaying their debts once their annual income exceeds £21,000—at a rate of 9% of the difference between their income and that figure: until the debt is fully repaid it continues to attract interest, by as much as three percentage points above the current inflation rate. Using data from a calculator on a government website, this paper shows that the highest‐paid graduates pay back less than those on middle incomes: the ‘squeezed middle’ pays back more not only than those on low incomes but also the better‐paid and those whose incomes increase more rapidly. This has differential effects according to occupation—and sex; and middle‐income groups also contribute more to the costs of widening participation programmes, which all universities charging more than £6,000 per annum are required to fund.     

关于心理干预在提高助学贷款还款率方面的思考

国家助学贷款在解决贫困大学生困难和维护社会稳定方面起到积极作用，但由于借贷学生违约率较高，影响了国家助学贷款制度的正常运行，其中不仅有经济方面的原因，还有心理方面的原因。在充分了解学生的心理感受和心理问题的基础上，利用心理干预的各种手段和措施，妥善引导学生正确的价值取向，促进学生健全人格的形成，让心理干预在提高助学贷款还款率方面发挥应有的效用。     

骗用贷款罪的解构性思考

《刑法修正案(六)》生效后,我国在贷款类犯罪中增设了骗用贷款罪。该罪弥补了贷款类犯罪的漏洞,也显现出高利转贷罪的多余。骗用贷款罪和贷款诈骗罪可以很好地规范贷款行为。高利转贷罪、骗用贷款罪、贷款诈骗罪在获取银行或者其他金融机构贷款时都是使用的非法手段,那么合法取得贷款后,非法使用的,也应该根据行为人的客观行为进行定罪。     

Pushing for Closer Links

正China and ASEAN team up to create a more dynamic and interconnected region China pledged more than$20 billion in loans to support the construction of Southeast Asia’s connectivity on November 13.The offer,announced by Chinese Premier Li Keqiang at the Ninth     

The Effect of the 2014 Federal Housing Administration Loan Limit Reductions on Homeownership Decisions

ABSTRACT

Using data from the American Community Survey, this article assesses the effects of the 2014 Federal Housing Administration (FHA) loan limit reductions on homeownership decisions. Employing a difference-in-differences identification strategy, we find little evidence that the loan limit reductions caused an overall decline in homeownership rates. However, we do find that overall homeownership rates (as well as African American homeownership rates more specifically) increased in low-price parts of metropolitan statistical areas that experienced a loan limit reduction relative to high-price areas, suggesting that the lack of an overall effect may be because of changing decisions on where to own a home, not whether to own a home. This thesis is further supported by evidence of an increase in commuting times for residents in areas that experienced a limit reduction. Our findings contribute to the debate over how individuals respond and adapt their homeownership decisions to policy changes and credit constraints.     

试论房地产公司利用“假按揭”骗取贷款案件的侦防措施

在中国经济体系中房地产市场占有着相当大的部分,随着近几年来房价的一路走高,犯罪分子也将触角伸向了房地产市场这块巨大的蛋糕。要深入剖析房地产公司利用"假按揭"这种手法骗取银行贷款案件发生的原因、产生的危害后果、犯罪过程以及相关的侦防对策。