探析国家助学贷款的风险防范

On risk prevention of student loan

目前国家助学贷款已经成为资助贫困生接受高等教育的重要形式,但是法律制度的不健全及个人信用的缺失制约了国家助学贷款的发展,我国国家助学贷款远远无法满足贷款学生的需求。因此,政府、学校、银行等部门必须尽快从加快诚信立法、建立个人信用制度、加强大学生诚信教育等几个方面共建风险防范体系,才能促进国家助学贷款的健康发展。

Student loan is playing an important role in helping poverty-stricken students in higher learning, however, the development of this system has been halted by the lack of relevant law, regulation and insufficient credit system. Due to this, the loan offered is far from enough for students needy. In this case, the government, schools, banks and departments concerned should accelerate credit legislation, build up individual credit system as well as improve college students＇ credit education to promote the healthy development of student loan