Journal of the Korea Convergence Society (한국융합학회논문지)

Korea Convergence Society (한국융합학회)
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Analysis of Efficacy of Income Contingent Loan and Policy Suggestions

취업후상환학자금대출의 효과성 분석과 개선방안에 대한 고찰

  • 박승렬 (극동대학교 사회과학대학)
  • Received : 2019.01.21
  • Accepted : 2019.04.20
  • Published : 2019.04.28
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Abstract

This study analyzes whether Income Contingent Loan achieves the policy goal of reducing the burden on higher education expenses with the emphasis on the repayment structure of the loan system and suggest ways to improve the incumbent policy. The study found that the voluntary repayment amount of the loan is much higher than the mandatory repayment amount. Therefore, various policy improvement measures are needed to activate the original purpose of the loan. We proposes improvements to the repayment, such as diversification of the repayment base rate, introduction of the loan integration, and analysis of loan default probability. In addition, this study has policy and academic implications in that it has suggested policy improvement measures by analyzing various overseas cases.

본 연구는 취업후상환대출제도가 재학 중 고등교육비용에 대한 부담경감이라는 소기의 정책목적을 달성하였는지를 상환구조에 초점을 맞추어 분석해 보고, 이에 대한 개선방안을 제시하고자 하였다. 구체적으로는 연도별로 대출자의 상환액과 상환유형에 대한 분석을 진행하는 방법론을 활용하였다. 연구결과 취업후상환대출제도는 예상과는 달리 자발적상환액이 의무적상환액보다 훨씬 많은 것으로 나타났다. 따라서 취업후상환제도의 본래 목적인 의무적상환을 활성화 할 수 있는 다양한 정책개선방안 마련이 필요하다. 이를 위해 본고에서는 상환기준율의 다양화, 대출통합관리제도의 도입, 대출미상환가능성 분석 등과 같은 상환율제고를 위한 제도개선사항을 제시하였다. 또한 저임금공익직종에 대한 상환감면, 직업교육대출시행 등과 같이 대출제도전반에 대한 정책방안도 함께 논증하였다. 이 과정에서 본고는 단순한 이론제시에 그치지 않고 다양한 해외사례를 분석하여 제도개선방안의 실행가능성을 제고하였다는 점에서 정책적 학술적 시사점이 있다.

Keywords

Table 1. Development of Student loans

OHHGBW_2019_v10n4_183_t0001.png 이미지

Table 2. Repayment Threshold Income(KRW)

OHHGBW_2019_v10n4_183_t0002.png 이미지

Table 3. Loan Repayment by Year(KRW)

OHHGBW_2019_v10n4_183_t0003.png 이미지

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