根治助学贷款失信问题要依法以德为前提

The Crucial Approach to Bring the Lost Trustworthiness of Schooling-supporting Loan under Per-manent Control Is to Take the Law and the Virtue as Prerequisite

开展助学贷款是我国实施科教兴国战略的一项重要决策。助学贷款实际运行情况不理想,学生失信问题普遍存在,金融机构将面临“追偿难”的困境。依法治贷和以德治贷是确保助学贷款的法律基础和思想基础,是根治助学贷款失信问题的前提和保障。