关于大学生贷款不还问题的思考

由于接受助学贷款的部分大学生信用意识薄弱,毕业后经济状况不好,联系存在困难,或者还款环境存在问题等原因,当前大学生拖延还贷,或者贷款不还的现象并不少见。为此,应当加强诚信教育,改善还款环境,建立奖励机制,开展个人征信系统建设,引入保险助学贷款信用险,以妥善解决这一问题。

Due to the low credit awareness, financial states of graduated college students with unpaid educational loan, and various troublesome for them to repay the loan and to be contacted, the cases of not paying and defaulting the loans are common. In order to solve this problem, credit education, repayment conditions, payment reward system, personal credit information system, and educational loan insurance should be either established or developed.