国家助学贷款还贷问题及对策研究

Problems and Countermeasures of Repaying National Loan Aid to University Students in Our Country

随着信用方式的国家助学贷款逐渐成为助学工作的主渠道，如何建立有效的机制，防范和催还恶意欠贷，减少不良贷款的发生，将成为国家助学贷款工作需要解决的问题。要解决这个问题，需要借鉴各国成功经验，结合我国国情，实行政府、银行和高校配合建立个人联合征信系统，明确惩罚措施；对大学生加强诚信教育，大力发展生源地贷款等措施。

With credit national loan aid to university students ,gradually becoming the main channel of giving aid to students, how to establish efficient system, keep a look-out for and press for payment of malicious debt,reducebad loan, will become the key of restricting national loan aid to students. To settle the problem, we should establish joint credit systems, make punishment measures clear to university students credible to devote major efforts to developing loan aid in univesity students' hometowns, according to national conditions.