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为积极贯彻党中央“科教兴国”战略,近年来国家助学贷款发放力度逐年加大。然而,随着助学贷款发放数额大幅增长,大学生助学贷款信用风险也成为广受关注的社会问题。助学贷款的信用问题反映了我国助学贷款制度和社会信用制度存在的缺陷。有效解决助学贷款中的信用风险,需要从调整还贷制度、完善组织机构、建立信用惩罚机制等方面入手。
In order to actively implement the strategy of “rejuvenating the country through science and education” by the Party Central Committee, the state subsidy loans have been increasing year by year. However, with the substantial increase in the amount of student loans, the student credit risk of student loans has also become a widespread concern social issues. The credit problem of student loans reflects the flaws in China’s student loan system and social credit system. To effectively solve the credit risk in student loans, we should start with adjusting the loan repayment system, perfecting the organizational structure and establishing the credit punishment mechanism.