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从2001年国家推行助学贷款政策以来已经整整7年时间,这项无须担保的政策性贷款一开始就受到高校贫困大学生和高校的普遍欢迎,极大地推进了我国高等教育事业的改革和发展。然而,由于信用机制和人们信用意识等诸方面原因,国家助学贷款偿还问题成为贷款银行担心的大问题,解决这一问题需要从增强人们信用意识、建立健全信用体系与信用机制,以及改革银行内部管理等多方面努力,需要从教育和管理等多方面着手。
It has been a full seven years since the government implemented the student loan policy in 2001. The policy loan without guarantee was universally welcomed by impoverished undergraduates and colleges and universities at the very beginning and greatly promoted the reform and development of the higher education in our country. However, because of the credit mechanism and people’s credit awareness and other reasons, the repayment of student loans has become a big concern for lending banks. To solve this problem, we need to improve people’s credit awareness, establish and improve the credit system and credit mechanism, Internal management and other efforts, we need to start from education and management and other aspects.