浅谈我国助学贷款可持续健康发展策略

On the Strategy of Sustainable and Healthy Development of the Student Loan in China

助学贷款是国家通过财政、金融手段,对普通高校经济困难学生予以资助的一项重大措施,虽经多年的发展,但目前仍存在一些问题。本文从政府、高校、银行等角度提出了包括创建多种模式交织的助学贷款体系、制定贷款工作考核办法、完善风险补偿机制、加大代偿资助力度等策略,以促进我国助学贷款可持续健康发展。

Student loan is one of the key measures with which our country supports poverty - striken college students by means of finance and banking. Many years has witnessed its great development ; however, many problems still remain. From the view of government, universities, banks, this article provides strategies, including building multi - patterned student loan system, making outevaluating method, perfecting risk - making - up mechanism, increasing compensation - providing, so that our country＇s student loan can develop healthily and sustainably.