我国现行国家助学贷款制度的缺陷及其完善

The Shortcomings of China's National Student Loan System of and Its Improvement

自1999年国家助学贷款政策实施以来,尽管国家对贷款政策作出了重大改革,取得了较大的成效,但同时也存在着不少缺陷,这影响了国家助学贷款的推广及其效应的有效发挥。文章对国家助学贷款制度的发展历程及该制度存在的缺陷进行了阐述,并从国家助学贷款的参与主体:商业银行、高等院校、贷款学生、政府部门等角度出发提出了一些改进的有效举措。

Since 1999, the implementation of the national student loan policy, although the state has made major reforms in the lending policy, has achieved greater results. However, there are many defects in it. This affects the promotion of the national student loans and the effect of effectively. In this paper, the national student loan system development process and the flaws of the system were also discussed, And from participation in the National Student Loan principal： commercial banks, universities, student loans, government departments and other point of view put forward some suggestions for improvement of effective measures.