关于大学生拖欠贷款问题的分析与思考

Consideration and Analysis of the Problem of Being in Arrears with the Loans from College Students

为了使贫困生步入高等学府，并顺利完成学业，国家特制定了向高校贫困生发放助学贷款的政策，实施后对高等教育的可持续发展起到了积极的推动作用。但在收贷过程中出现了意想不到的现象——大学生欠贷、违约比例却远远高于平均欠贷率。当前需要加强完善助学贷款的管理、规范贷款办法、强化信用作用、提高贷款利用率。

Our state has formulated the policy which can provide loans for the poor college students to help them enroll into colleges and finish their courses smoothly. It made great contribution to the continuous development of the higher education. But in the process of reclaiming loans there is a problem that people have never expected, that is, the proportion of arrears with loans and violating the contract of loans in college students is much higher than the av- erage rate. At present, we need to strengthen and perfect the management of loans for students, to standardize the method of loans, to strengthen the credit education and to improve the utilization ratio.