近年来,随着高校学生人数的扩张,对国家助学贷款的需求一路攀升。但最近,由于部分高 校助学贷款的还贷违约率超过20％,相关商业银行相应对违约高校亮出了借贷红牌。一边是高校助学贷款申请数量的直线上升,另一边却是银行对贷款发放的日益谨慎,国家助学贷款陷入到一种学生难贷款、银行贷款难的境地中。国家助学贷款“两难”原因分析: In recent years, with the expansion of the number of college students, the demand for state student loans has been rising all the time. Recently, however, due to the loan-default rate of student loans in some colleges and universities exceeding 20%, the relevant commercial banks correspondingly unveiled a red card to the universities in breach of contract. On the one hand, the number of student loan applications in colleges and universities has risen sharply; on the other hand, banks have been increasingly cautious about the issuance of loans. The state student loans have fallen into a difficult situation for student loans and bank loans. National Student Loan Dilemma Analysis: