This article makes a comment on the background of income-contingent repayment from the "cost-recovery "and "assisting the low-income group" perspective.
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.
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。
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There should be incomecontingent mortgages, so that repayments automatically adjust to borrowers' fluctuating incomes and home equity can be insured.