当前国家助学贷款面临的困境与对策

Predicament and its countermeasures of the government loan for assisting poor students

帮助贫困学生完成学业的国家助学贷款在运行过程中出现了一些困难 ,根本原因是银行不愿意经营这项成本高、风险大、收益低的业务。本文就此问题提出如下对策 :成立经办国家助学贷款的政策性银行 ;建立个人信用体系 ;颁布国家助学贷款的免还条款。

Granting the government loan for assisting poor students aims at supporting poor students in higher education to accomplish their studies. Unfortunately, this favorable policy is confronted with a predicament: commercial banks are unwilling to run this high cost, high risk and low profit loan. In order to deal with this problem the author presents the following countermeasures: to set up a specialized loan bank; to establish personal credit system; to authorize legal items for remitting debts under given conditions.