{"type":"product","schema_version":"1.0","item_id":"101726277088","canonical_url":"https://tw.bid.yahoo.com/item/101726277088","title":"【58J-4】絕版全新簡體，《生源地助學貸款的可持續發展》","subtitle":null,"condition":"全新品","currency":"TWD","observed_at":"2026-08-25T04:59:34.964Z","current_price":399,"original_price":null,"stock_status":"low_stock","available_quantity":1,"sold_quantity":0,"seller":{"id":"Y0672177871","name":"臻品齋書店 2book.tw","positive_rate":null,"rating_count":null},"images":[{"url":"https://img.yec.tw/ob/image/dbabc0df-0436-4743-8015-0108327faa34.jpg","role":"main","alt":"商品主圖","width":null,"height":null}],"description":"「生源地助學貸款」是中國針對家庭經濟困難學生，由生源所在地銀行發放的教育貸款，用於支付學雜費與生活費。關於其「可持續發展」的討論，主要涉及以下幾個層面：1. 資金回收與償還壓力：畢業生收入不穩定、就業延遲可能導致貸款回收率偏低。 2. 行政管理與成本：審核、發放與催收需大量行政資源，若設計不當會增加財政負擔。 3. 政策補貼與風險分擔：貸款利率與貼息安排會直接影響學生還款能力與制度公平性。 4. 地區差異與教育公平：不同生源地的經濟差距，造成可及性與還款風險的差異。 5. 制度透明與監督：需建立公開透明的審核、還款與違約處理機制，避免制度失靈。結論：要確保可持續發展，政府須強化就業支持、建立信用體系、優化補貼政策，並提升制度透明度與社會監督。","shipping_methods":[{"name":"郵局掛號","fee":0,"currency":"TWD"},{"name":"7-ELEVEN取貨付款","fee":0,"currency":"TWD"},{"name":"萊爾富取貨付款","fee":0,"currency":"TWD"}],"lowest_shipping_fee":null,"payment_methods":["ATM轉帳","萊爾富取貨付款","7-ELEVEN取貨付款"],"category_id":"2092073902","category_name":"行銷/廣告","breadcrumb":[{"id":"3994318","name":"圖書/影音/文具","url":"/tw/%E5%9C%96%E6%9B%B8-%E5%BD%B1%E9%9F%B3-%E6%96%87%E5%85%B7-3994318-category.html"},{"id":"2092064185","name":"圖書與雜誌","url":"/tw/%E5%9C%96%E6%9B%B8%E8%88%87%E9%9B%9C%E8%AA%8C-2092064185-category.html"},{"id":"2092073901","name":"財經企管","url":"/tw/%E8%B2%A1%E7%B6%93%E4%BC%81%E7%AE%A1-2092073901-category.html"},{"id":"2092073902","name":"行銷/廣告","url":"/tw/%E8%A1%8C%E9%8A%B7-%E5%BB%A3%E5%91%8A-2092073902-category.html"}],"view_count":0,"watch_count":0}