高校助学贷款的现状与对策探析——以闽西职业技术学院为例

Status and countermeasures of state student loans in colleges and universities——A case study of Minxi Vocational and Technical College

近年来国家加大高校助学贷款力度,资助了一大批经济困难、乐于求学的学生。但国家助学贷款是无需抵押和担保的信用贷款,在制度监管和个人信用体系不完善的情况下,实施过程中也暴露出一些问题。通过建立健全国家助学贷款风险控制制度,加强和改进学生诚信教育,建立大学生的个人信用档案,建立校、系两级的贫困生资料库等改进性措施,能有效促进国家助学贷款的健康可持续发展。

In recent years, the state has enlarged college student loans, financing a large number of students from financially difficult families. system and inadequate individual credit system, However, because of imperfect supervision some problems arise from the student loans without any mortgages and guarantees. The healthy and sustainable development of state student loans can be improved through establishing and perfecting the sound risk control system and supervision system of state student loans, strengthening and promoting student＇s credit education, and building student＇s personal credit file and family database.