摘要
国家助学贷款学生旨在帮助高校家庭经济困难学生顺利完成学业,然而不少高校毕业生的违约率超过了20%,有的甚至达到了30%-40%。其原因有三点:1、社会环境的不良影响;2、个人信用意识的淡薄;3、诚信管理体系的不完善。针对这种情况,必须在大学生中加强诚信教育,通过建立诚信档案、建立健全大学生诚信评估及惩罚机制、完善法律体系来建立健全大学生诚信制度。
State loan to students is to help students whose families cannot afford their study finish school successfully. However, some college graduates＇ breaking contract rates go beyond 20%, some even reaeh 30% to 40%. The author presents three reasons for this phenomenon including bad influence of social environment, weak individual credit consciousness and incomplete credit management system. So, he advocates strengthening credit education among college students and establishing sound college student credit system by means of establishing credit file, credit evaluation and punishment mechanism and perfecting legal system.
出处
《江汉石油职工大学学报》
2008年第5期29-31,共3页
Journal of Jianghan Petroleum University of Staff and Workers
关键词
助学贷款
大学生
违约现状
诚信问题
诚信制度
Loan to Students
College Students
Present Delinquent Situations
Problems on Credit
Credit System
