浅析国家助学贷款的现状及对策

Analysis of the Actualities and Countermeasures of National Student-aided Loan

目前在国家助学贷款过程中存在学生违约,银行停贷的实际问题。究其原因,有思想认识上的不足,也有贷款学生动态难以掌握和信用机制不够完善的因素。解决国家助学贷款中存在的问题,应从信用系统、诚信教育、贷款制度完善等方面入手。

At present, there exist many problems, including students＇ breach of faith and the banks＇ rejection of loan. The reasons resulting in these problems are the lack of enough thinking, being unable to control students ＇ activities and the lack of perfect credit systems. We should consummate the credit system, strengthen the credit education and perfect the rules of loan system to solve the problems it, national student - aided loan.