美国大学生助学贷款机制解析

The Analysis and Enlightenment of US Students' Loan System——A Comparative Study of the Management of the University Student Loan between China and the US

本文介绍了美国主要助学贷款的分类、还贷机制及其在实际中的成功应用。通过比较研究,作者认识到了大学生助学贷款政策在中国顺利实施的重大意义。根据美国大学生助学贷款的管理模式,作者在文章的最后提出了建立我国大学生助学贷款机制的一些建议。

In order to explore the solutions to solve delayed repayment, the author introduced the types of student loans in the US, repayment system, and successful application in the reality. The author recognized the significance of successful using ＂Student Load Policy＂ in China. Based on the US student loan models, he gave his recommendations in the end of the article. The author emphasized it is important to establish a perfect and mature student loan system and credit records according to the Chinese social environment.