【正文】 究的規(guī)范及倫理；第四，對(duì)訪談資料進(jìn)行整理和分析，應(yīng)用相關(guān)理論進(jìn)行探討和分析，并結(jié)合個(gè)人思考提出獨(dú)到的見解；第五，根據(jù)研究結(jié)果從社會(huì)工作角度對(duì)高校針對(duì)助學(xué)貸款政策的完善、學(xué)生貸款償還工作以及如何促進(jìn)助學(xué)貸款學(xué)生的畢業(yè)工 作提出可行性建議。 指導(dǎo)教師簽字： 年 月 日 教學(xué)單位負(fù)責(zé)人簽字： 年 月 日 責(zé)任教授簽字： 年 月 日北京理工大學(xué)本科生畢業(yè)設(shè)計(jì)（論文） I 摘要 助學(xué)貸款學(xué)生逐漸成為高校貧困生的主體。 本研究采用半結(jié)構(gòu)式訪談法，結(jié)合典型取樣和方便取樣，采用預(yù)訪談和正式訪談的形式，最終選取北京某高校 4 名助學(xué)貸款 學(xué)生作為樣本，全面而深入地探討了他們的畢業(yè)意向現(xiàn)狀，進(jìn)一步了解大學(xué)生的畢業(yè)情況。 一些選擇就業(yè)的助學(xué)貸款學(xué)生對(duì)助學(xué)貸款感到壓力較大。 關(guān)鍵詞： 助學(xué)貸款；意向性；畢業(yè)意向；貧困生；助學(xué)貸款學(xué)生 北京理工大學(xué)本科生畢業(yè)設(shè)計(jì)（論文） II Abstract Loaning students gradually bee the main group of poor a special groop among poor students,educational loan is the special sign of loaning students. They have to consider of the factors that is more than notloaning poor students. Exploring the status of intention to graduate of the loaning students has the vital significance in understanding this group that is how to give full play to the educational loan policy advantage and overe their family economic insufficient vulnerable condition, which can provide basis for the nation and the universities to formulate relevant student loan policy,which can provide basis to deal with the work of students graduate for the college . This study used semistructured interview and advancing interview and formal interview, selecting four loaning students born in a university in Beijing with typical sampling and convenient sampling method to make interviews, prehensively and thoroughly discussed their own intentional status, further enrich theory. After making collation and analyzing the interview material， the author es to some conclusions as follow: students think that loaning has certain effect on the intention to are both advantages and is a doubleedged sword . selecting the employment of college students,educational loan is a kind of burden,affecting their living expense and the pressure is they are in the choice of jobs, they will try to choose of the pensatory grassr ootal work unit for himself,try to choose of the “ University Student Village Officer” and “ Western College Students Volunteer Program” . laoning students who choose to employment feel great pressure for educational think that they can have a job and can solwly reimbursem ent,and there are six years of reinbursement higher interest on loans to pay for 2 years,this will have an impact on their not seasonable reimbur 北京理工大學(xué)本科生畢業(yè)設(shè)計(jì)（論文） III semnt,the creditworthiness of loans will be affected. the loaning students of choosing to graduate school,due to educational loan can apply for extension,during reading without inerest, which makes the m have a chance for further study in some degree. their family is poor,all loaning students have no plans to go abroad to there are individual college students who think that if they can apply for a full scholarship,they still want to go to study abroad. As for educational loan,it can be paid off through the parttime in studying abroad. Key words: educational loan； intention； intention to graduate； poor students；laoning students北京理工大學(xué)本科生畢業(yè)設(shè)計(jì)（論文） I 目錄 第 1 章 引言 ......................................................1 第 2 章 文獻(xiàn)綜述 ..................................................2 國(guó)內(nèi)外有關(guān)助學(xué)貸款研究的綜述 .................................. 2 國(guó)內(nèi)外有關(guān)助學(xué)貸款學(xué)生畢業(yè)意向研究的綜述 ..................... 2 助學(xué)貸款學(xué)生相關(guān)概念研究 ..................................... 2 意向性及畢業(yè)意向相關(guān)概念研究 ................................. 2 助學(xué)貸款學(xué)生畢業(yè)意向的相關(guān)理論 ............................... 3 助學(xué)貸款學(xué)生畢業(yè)意向情況相關(guān)研究 ............................. 8 對(duì)以上研究的評(píng)價(jià) ............................................... 8 第 3 章 研究過程 ..................................................9 研究問題 ........................................................ 9 研究目的 ........................................................ 9 研究意義 ........................................................ 9 理論意義 ..................................................... 9 現(xiàn)實(shí)意義 .................................................... 10 關(guān)鍵概念 ....................................................... 10 助學(xué)貸款 .................................................... 10 貧困生 ...................................................... 11 助學(xué)貸款學(xué)生 ............................................... 11 意向性及畢業(yè)意向 ........................................... 11 研究方法 ....................................................... 11 研究程序 ....................................................... 12 研究工具 .................................................... 12 研究對(duì)象 .................................................... 12 研究流程 .................................................... 12 第 4 章 研究結(jié)果 .................................................13 北京理工大學(xué)本科生畢業(yè)設(shè)計(jì)（論文） II 個(gè)案的基本資料 ................................................. 13 助學(xué)貸款學(xué)生對(duì)就業(yè)意向的選擇 ................................. 14 選擇就業(yè)可以盡早償還助學(xué)貸款 ................................ 14 工資和待遇決定還款能力 ..................................... 14 代償政策吸引學(xué)生選擇代償崗位 .............................. 16 助學(xué)貸款學(xué)生對(duì)讀研意向的選擇 ................................. 18 目標(biāo)影響讀研意向 ............................................ 18 消費(fèi)水平影響讀研意向 ........................................ 20 家庭經(jīng)濟(jì)狀況影響讀研意向 .................................... 20 助學(xué)貸款的展期性影響讀研意向 ................................ 22 助學(xué)貸款學(xué)生對(duì)留學(xué)意向的選擇 ................................. 23 家庭經(jīng)濟(jì)貧困限制了留學(xué)意向的選擇 ............................ 23 “留學(xué)貸款”鼓舞學(xué)生選擇留學(xué)意向 ............................. 24 國(guó)外獎(jiǎng)學(xué)金吸引留學(xué)意向的選擇 ................................ 25 第 5 章 討論與建議 ...............................................26 研究者 的分析與思考 ............................................ 26 關(guān)注學(xué)生還款問題，做好助學(xué)貸款后期工作 ...................... 26 關(guān)注學(xué)生畢業(yè)需求，做好高校畢業(yè)指導(dǎo)工作 ...................... 27 立