助学贷款制度的机制缺失与对策——以生源地信用助学贷款为例

On the Mechanism Deficiency of and Solution on the Student Loan——taking the student origin-based loan as an example

作为我国助学贷款制度重要组成部分的生源地信用助学贷款,对于有效解决家庭经济困难大学生上学难、实现教育公平具有重要意义,但主体缺失、制度缺损、信用缺失等问题已成为生源地信用助学贷款实施过程中严重的障碍,建立高效率的银政合作机制,以弥补监督机制的缺失、完善风险管理制度建设、加强信用建设体系发展等,有助于生源地信用助学贷款的良性发展。

As an important part of the student loan systems,the origin-based loan plays an important role in solving poor students＇ difficulties and realizing education fairness.However,there are many problems such as the subject loss,system defects and the lack of credit etc.,which have become a serious obstacle.In order to solve such problems,the article puts forward solutions that include establishing the efficient government-bank cooperation mechanism,making the risk management system more perfect,and strengthening credit construction system and so on.