完善信用教育 促进国家助学贷款开展

Improve Credit Education among College Student and Ensure theSmooth Development of National Stipend Loan

部分获得国家助学贷款的大学生不按时偿还贷款本息,给国家助学贷款的开展带来了较大的阻碍。本文主要分析大学生信用缺失原因,拟建立信用管理体系,探讨大学生信用教育的内容和方法,从而培养大学生的信用意识,减少银行国家助学贷款呆坏帐的出现。

Some of those college students who were granted national stipend loan don t lay back the loan and interests on time,which hinders the development of national stipend loan to a great extent. This paper mainly analyzes reasons why college students lack credit and plans to establish management system for credit. By discussing the content and methods of credit education in university,college students can foster credit awareness so that the dead loan and bad debt of national stipend loan can be reduced.