常州大学学报（社会科学版）
常州大學學報（社會科學版）
상주대학학보（사회과학판）
JOURNAL OF JIANGSU POLYTECHNIC UNIVERSITY SOCIAL SCIENCE EDITION
2014年
6期
34-37
,共4页
经济困难大学生%助学贷款%贷款还款机制
經濟睏難大學生%助學貸款%貸款還款機製
경제곤난대학생%조학대관%대관환관궤제
poor college students%student loans%loaning and repayment mechanisms
国家助学贷款是由银行、教育行政部门与学生共同操作的专门帮助贫困家庭学生的银行贷款。1999年我国大学生助学贷款政策实施以来，助推许多家庭经济困难的学生完成了学业。但由于种种原因，部分大学生毕业以后拖欠贷款甚至逃债，导致了银行惜贷、拒贷等现象。要保证大学生助学贷款还款机制的有效运行，有赖于政府、银行、高校、学生、家长和用人单位等多方面的协同配合，进一步完善和健全大学生助学贷款还款机制，方能为国家培养优秀人才提供良好的经济保障。
國傢助學貸款是由銀行、教育行政部門與學生共同操作的專門幫助貧睏傢庭學生的銀行貸款。1999年我國大學生助學貸款政策實施以來，助推許多傢庭經濟睏難的學生完成瞭學業。但由于種種原因，部分大學生畢業以後拖欠貸款甚至逃債，導緻瞭銀行惜貸、拒貸等現象。要保證大學生助學貸款還款機製的有效運行，有賴于政府、銀行、高校、學生、傢長和用人單位等多方麵的協同配閤，進一步完善和健全大學生助學貸款還款機製，方能為國傢培養優秀人纔提供良好的經濟保障。
국가조학대관시유은행、교육행정부문여학생공동조작적전문방조빈곤가정학생적은행대관。1999년아국대학생조학대관정책실시이래，조추허다가정경제곤난적학생완성료학업。단유우충충원인，부분대학생필업이후타흠대관심지도채，도치료은행석대、거대등현상。요보증대학생조학대관환관궤제적유효운행，유뢰우정부、은행、고교、학생、가장화용인단위등다방면적협동배합，진일보완선화건전대학생조학대관환관궤제，방능위국가배양우수인재제공량호적경제보장。
National student loan is a kind of bank loan operated by the bank,the administrative departments of ed-ucation and students whose families are poor and in need of help.This policy has helped many poor college students in China since 1999 .However,because of various reasons,the loan risk has also emerged.Part of the students had defaulted on their loans and rejected debt after graduation.This phenomenon has led to the bank′s credit crunch,rejection.To ensure that students loan has an effective operation mechanism,we must rely on the cooperation among the government,banks,colleges,students,parents and employers,so as to optimize student loaning and repayment mechanisms and provide good economic guarantee for cultivating talents.
