但是，还款方式本身的设计及相关的文化、制度建设是确保“按收入比例还款”的目标实现的关键。

As far as the implementation of income-contingent repayment, the design of repayment terms and related cultural environment plays an important role in realizing the purpose.

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本文对国际上实施“按收入比例还款”国家的实施背景从“成本分担”和“资助低收入”群体两个角度进行评析。

This article makes a comment on the background of income-contingent repayment from the "cost-recovery "and "assisting the low-income group" perspective.

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