国家助学贷款的政策学分析

An Analysis on the National Policy of Student Loans

随着社会主义市场经济体制的建立,国家对普通高校进行了收费制度的改革。高校收费给家庭经济困难学生接受高等教育带来了困难。为保证学生不因家庭经济问题而失学,国家建立了以国家助学贷款为主体的学生资助体系,帮助家庭经济困难学生用明天的钱圆今天的大学梦。但由于贷款发放、贷款对象、贷款利率、贷款金额和还贷期限的不尽合理,使有的学生遵守信用积极性不强,从而影响了国家助学贷款的可持续性。而贷款的可持续性是国家助学贷款持续健康发展的关键,因此,应建立一套科学规范的信用机制和风险防范机制,促进国家助学贷款的可持续发展。

With the establishment of the socialist market economy system, the system of tuition fees in higher education is reformed. State, colleges and individuals share all the fees reasonably. The establishment of this system promotes the reform and development of higher education. On the other hand, tuition and fees charged in higher education have become a heavy burden on poor students. The government has established a Student Assistant System and focuses on the National Student Loans. The implementation of the National Student Loans shows the country's concern for the ″weak groups ″. It helps them avoid losing higher education opportunities and promotes the equality of higher education effectively.But the system of the National Student Loans has not been implemented very long, and many faults that influence its development still exist. In order to make the National Student Loans develop continuously and promote higher education opportunities for poor students effectively, we should develop operational methods based on other countries' experiences and our country's situations. Through the measures such as flexibility of loan providing, variety of loan objects, diversification of loan interest rates, reasonability of loan sum and returning terms, and establishment of loan-risk-avoiding methods, we can help poor students fulfill their higher school education dreams.