建立大学生个人信用制度,促进国家助学贷款

On the Establishment of Personal Credit System for College Students and Promotion to the State-financed Student Loan

本文从国家助学贷款政策出台背景与实施现状出发 ,分析了银行“惜贷”的原因 ,着重提出了防范和化解银行风险、促进国家助学贷款健康发展的对策 ;依托专业网站 ,建立大学生个人信用制度 ;加强信用立法 ,出台相关政策 ;加强大学生道德教育 。

Starting from the background and implementation of the state's policy on student loan, the author makes an analysis of the reasons for relevant banks' reluctance in lending student loan and makes recommendations for the prevention and solving of financial crisis, promotion to the healthy development of the state financed student loan, establishment of personal credit system of college students, legislation of credit mechanism and cultivation of college students' sense of credit via moral education.