对当前我国助学贷款问题的思考

Some Thoughts on the Present Issues in Student Loan

我国助学贷款政策在实施过程中存在助学贷款进展缓慢、规模偏小以及困难学生贷款违约率较高等问题。解决这些问题的关键是要逐步完善助学贷款相关制度,不断改善社会信用环境,提高助学贷款资金安全系数,进一步健全担保机制,对助学贷款实行专门的管理措施。金融机构也应转变观念,提高认识,推动助学贷款的开展。

The implementation of student loan policies faces the issues of hindered progress,small scale,and a high rate of default.The key to solving these problems is to bring loan related regulations into perfection,improve social credit environment,increase loan safety factor,improve guarantee mechanism,set up special management for the loans.Financial institutions need to update their ideas and raise their awareness to push forward student loan programs.