助学贷款风险的防范

Avoidance of the Risk of Grant-in-aid Loan

助学贷款是国家支助贫困大学生完成学业的重要措施之一,由于助学贷款管理政策、措施还不健全,信用信息网络和助学贷款的管理机制还不完善,使助学贷款的拖欠率居高不下。就助学贷款风险的防范问题提出7个解决措施,降低拖欠率,保证助学贷款工作发挥应有的作用。

Grant-in-aid loan is one of the most important measurers the country takes to help the poor undergraduates to finish school work. Due to the unsound mechanism of management and measures, unsound credit network and mechanism of management of grant-in-ald loan, the rate of default in loan is very high. This article explores seven measures to avoid the risk of grant-in-aid loan in ordcr to reduce the rate of default in loan and guarantee the role of grant-in-aid loan.