作为一种世界范围内通行的制度,我国助学贷款制度不仅体现了社会公平和道德诉求,也体现了一种经济理性。从高等教育助学贷款制度存在必要性和制度上的合理性,比较了各种高等教育资助制度的优劣,着重分析了助学贷款制度在市场经济条件下的优越性;从各行为主体追求利益最大化的角度出发,对助学贷款制度设计的机制进行了分析。 As a universal system in the world, China’s student loan system not only reflects the social fairness and moral appeal, but also embodies an economic rationality. From the necessity and institutional rationality of the student loan system in higher education, we compare the advantages and disadvantages of various kinds of higher education subsidy system, emphasize the superiority of the student loan system in the market economy, Interest maximization point of view, the mechanism of student loan system design was analyzed.