There is all the difference in the world between a tax on graduates that raises money for government to distribute to universities and a system of grants and soft loans that enables students to meet the costs of attending autonomous institutions of higher education 两者之间有天壤之别：前者是政府通过征税从已经毕业的学生身上募集资金，然后向大学拨款；后者是通过一套补助金和软贷款制度，资助学生到自治的高等学府就学。
On the basis of introducing the general theory of loan security system , the article analyzes the intrinsic malpractice of traditional loan security method and some controversial problems of loan security system , through the characters of traditional loan security method ( warranty , mortgage pledge ) and provisions of current legal system of loan security . the article put forward three measures of perfecting this system . the first is drawing lessons from the legal provisions of foreign countries , which have mature market 本文在介绍贷款担保制度一般理论的基础上，从传统的贷款担保方式(保证、抵押、质押)本身特点和现行贷款担保法律制度的规定入手，分析研究传统贷款担保方式本身固有的缺陷和贷款担保制度运行中存在的有争议性的问题，提出完善我国贷款担保制度的三项举措：一是借鉴经济市场成熟国家的法律规定，依据我国现有实际情况，弥补现行贷款制度中有关规定的缺陷和不足，完善各项贷款担保基本制度；二是增加新的贷款担保方式，促进贷款担保立法的现代化。
Also in this chapter i have made a proposition that the stock wealth effect displayed less than its reality . on the explanation of excess volatility , i have got two new ways , i . e . the feedback imitation and accelerating risk model | and the industry speculation . finally i have given a series of new explanation of puzzle of erp , mainly by the relative advantage of listed companies , by the accumulation the advantage of listed companies under the noise , and by the not - so - efficiency company can survive in the history 本人发现:比较成本是形成不同财富的财富效应差异的重要原因;在现行贷款制度下，股市财富效应经常具有“显示性不足”的特点，然而这并不是说股市财富效应真的小于其他财富效应，而是说，股市财富效应通过其他财富效应显现出来了，比如房地产财富效应可以作为股市财富效应的“显示性通道” 。
Based on a theoretical analysis of the sustainable development of gssl policy , this essay thoroughly inspected the suitability , stability and effectiveness of gssl policy , and put forward a way of sustainable development of gssl policy built upon the " functional view " and interpreted the corresponding policies 本文结合功能金融理论，在对国家助学贷款制度可持续发展进行理论分析的基础上，深入考察了我国国家助学贷款制度的适应性、稳定性与效率性现状，进而提出构建基于“功能观”的国家助学贷款制度可持续发展路径，并进行了相应的政策诠释。
At first , this thesis analyzed some essential elements about the system of personal houe loan and make the compare to chinese and foreign system , and established the system of personal credit evaluate ; the second , the thesis discusses the investment technique and strategy of national debt in the provident fund , and established the model about how to invest the national debt ; the third , the thesis build the forecast model about fund collecting and drawing , and make use of the combination invest theories to build model of individual loan and national debt ; at last , the thesis analyses the risk ' s inside reason of house funds with the risk type , and to give out the related suggestion to funds risk . mechanism . the thesis research show me how to make use of that some models and methods in the process of haf management and make me deeply understand the house funds 本文首先分析了个人住房贷款制度基本要素，即贷款期限、贷款利率与抵押物价值的比例、政府在个人住房贷款市场中的作用、贷款违约情况下的处置措施、个人住房贷款的流动性问题，并对中外制度作了比较，建立了个人信用评分评级体系和信用评估模型，并以重庆市住房公积金为研究对象做出了住房资金个贷风险评估的实证研究；其次，分析了影响国债价格走势的因素，讨论了公积金国债的投资技巧和策略，并建立了基于理论的国债投资组合模型；接下来，根据资产负债管理理论中的资金总库法和资金分配法分析了公积金总体资金项目的来源和运用，并就此作了总量平衡模型，对住房公积金季度累计归集金额作了直线回归和季节趋势比率预测，运用投资组合理论建立了公积金个人贷款和国债投资组合的最优化模型；最后，探析了住房资金风险的内在原因和风险类型，从资金筹集风险、信贷回归风险、保险机制、法律风险和政策风险五个方面为住房资金风险防范机制建设提出了相关建议。
