新时期背景下高校国家助学贷款发展策略研究

Study on the Development Strategy of the National Student Loan in Context of the New Period

目前,随着生源地助学贷款制度的发展,学校所在地的高校国家助学贷款业务需求急剧下降,国家、银行和高校的管理成本和金融风险增大,但作为必要需求又不能完全中断。论文通过从多角度、多方面考虑高校国家助学贷款的改进和设计思路,提出保证和规范建议,促使其健康发展。同时在新时期背景下高校个人消费贷款发展迅猛和问题较多且严重的情况下,提出改进和完善高校助学贷款制度的发展方向,在保障贫困生资助目的下实现多方共赢。

With the development of student home grant loan system, The demand for national student loans in Colleges and universities has dropped sharply,, but as a necessary demand and can not be completely interrupted. The management costs and financial risks of the state, banks and universities are relatively large, but it can not be completely abandoned.To improve the mechanism and design of national student loans in Colleges and universities from various aspects, put forward suggestions to ensure and standardize the development of healthy development.Considering the rapid development of personal consumption loans in Colleges and universities in the new era, there are more and more serious problems,this paper puts forward the development direction of improving and perfecting the student loan system in Colleges and universities, and realizes the win-win situation in the purpose of guaranteeing the financial aid for the poor students.