我国高校助学贷款违约成因分析及对策思考--以河南模式为例

Analysis of The Causes and Countermeasures on The Default of College Student Loans--Taking Henan Model as an Example

高校助学贷款是保障贫困学子顺利完成学业的重要举措，但由于资格审核不严、毕业生就业压力大、还款方式不合理、部分学生诚信意识淡薄等原因，违约问题一直制约着高校助学贷款的良性发展。要想保证高校助学贷款的持续发展，必须严格资格审核，努力提升贫困大学生就业能力，开放灵活多样的还款方式，加大政府代偿力度，完善个人征信系统。

College student loans is an important measure to protect the poor students successfully complete their education. But due to the qualification review is not strict, graduate employment pressure is high, repayment model is not reasonable, and some students are Lack of honesty, default problems have hindered the development of college student loan. In order to guarantee the sustainable development of college student loans, we must be strict to qualification examination, make effcets to improve to the poor college students' employment abilities,formulate flexible repayment methods, increase government compensatory strength,and Perfect personal credit rating system.