我国国家助学贷款政策的研究

国家助学贷款是解决学生学习和生活经济困难的一种助学措施,国家助学贷款的发展有利于我国推进社会和谐稳定,有利于高等学校保证办学经费,完善资助经济困难学生政策体系,有利于学生避免因经济困难而失去接受高等教育的机会,切实享受教育机会平等权利,有利于银行拓展业务,培养潜在客户和利润增长点提供机遇。然而,我国国家助学贷款在发展和演进中,出现了一些问题和矛盾,如何更好地推进国家助学贷款工作是一个值得深入研究的课题。因此,研究国家助学贷款工作具有十分重要的现实意义。通过分析我国国家助学贷款存在贷款供不应求、贷款发放不平衡、学生还贷压力过大、违约率高等问题,提出加大政府贷款补贴力度、制定还贷优惠政策、加强贷款大学生的信用监管等方面措施,从而完善我国国家助学贷款政策,积极推进国家助学贷款工作健康有序地发展。

Policy study on national student loan in China

National Student Loan is a measure to solve the financial difficulties in students'' learning and life in college.The development of National Student Loan benefits government to promote social harmony and stability,and helps colleges and universities to ensure school funding and improves policy system funded students with financial difficulties.Also it helps students to overcome financial difficulties and seize opportunities for higher education,and every student has the effective enjoyment of equal rights of access to education.Meanwhile,it helps banks to expand their business to cultivate potential customers and provide opportunities for profit growth.However,there are some problems and conflicts in the evolution of China''s National Student Loan.How to promote the national student loan better is a topic worthy of further study.Therefore,researching national student loan is of great practical significance.Through analysis of the problems of National Student Loans,such as in short supply,loan imbalance,excessive pressure on students to repay,and the issues of high default rates,this paper advances many reasonable proposals for improving China''s policies on national student loan through making efforts to increase government loan subsidies,developing preferential repayment policies,strengthening the credit control of college students who apply for loan,etc.for mprovement of national student loan policy,and actively promoting the work of the National Student Loan healthy and orderly development.