完善国家助学贷款机制的再思考

Rethought of Perfecting the Mechanism to the State Stipend

国家助学贷款是一项造福社会和贫困学子的公益事业,其意义的重大毋庸置疑。但是国家助学贷款发展缓慢,贷款的发放与经济困难学生的需求有较大差距,学生贷款违约与商业银行惜贷问题较为严重。本文客观分析了制约我国国家助学贷款发展的因素,并提出完善我国国家助学贷款机制的对策建议。

There is no doubt about the important meaning of the state stipend which is a good cause to benefit the community and poor students. Nevertheless, the state stipend develops slowly; there is a large gap between loans for the economic difficulties and the needs of the students; the commercial bank loans and student loan default problems are more serious. In this paper, the factors restricting the development of the state stipend have been objectively analyzed, and policy proposals to improve the mechanism of the State Stipend are put forward.