浅析高校在国家助学贷款风险防范中的重要作用

On the Important Role of Colleges and Universities in the Risk Prevention of National Student Loan

国家助学贷款实施以来已帮助上千万家庭经济困难的学生顺利完成了学业,但国家助学贷款管理机制的不完善导致了银行贷款回收风险。本文从高校把好学生贷款"入口"和"出口"关的前提下,重点分析了高校在整个环节中应强化学生信用观念、规范学生诚信行为、提高学生还款能力、加强高校贷款管理、完善学生多元信息通道、充分发挥学生与银行的桥梁作用,以使国家助学贷款风险得到有效防范,从而推动国家助学贷款持续发展。

Since the implementation of the national student loan, it has helped tens of millions of students from economically disadvantaged families to successfully complete their academic career, but the imperfect mechanism leads to the risk of bank loan recovery. This paper focuses on analyzing the role of colleges and universities in the risk prevention of national student loan, in order to effectively prevent the risk of national student loan, thus promoting the sustainable development of national student loan.