国家助学贷款的困境与出路

Predicament and Outlet of National Education Aid Loan

从如何化解银行风险,激发银行放贷热情的角度,对国家助学贷款走出困境的路径和方法进行探讨,提出学校"减"、财政"保"以及校-银"合作"的观点和思路。

The national educational aid loan policy is the most important policy of the government to sponsor economically disadvantaged students in college, but there are some problems in the implementation of this policy. This paper tries to explore the approaches and outlets to these problems from the perspectives of reducing the risks banks have to confront and stimulating banks＂ enthusiasm in providing loans, suggesting that colleges should reduce students＂ economic pressure, national finance should provide guarantee for banks and colleges and banks should cooperate.