我国财政贴息的高校“助学贷款”政策对帮助经济困难学生完成学业发挥了一定的作用。然而,高校“助学贷款”在发放与回收运行中还存在不少问题:商业银行办理“助学贷款”积极性不高,实际放贷金额小,高校毕业生“助学贷款”还款到帐率低等。因此,应充分发挥政府的作用,完善财政贴息的“助学贷款”模式,在国家助学贷款中引入政策性信用担保机构,提升商业银行对助学贷款的认识,充分发挥高校的协助作用,建立学生信用电子查询系统,降低学生违约率等,以推动国家助学贷款制度良性发展。 China’s financial interest subsidy colleges “student loans ” policy to help economically disadvantaged students to complete their studies played a role. However, there are still many problems in the issuance and recovery operation of colleges and universities in terms of issuing and recycling loans: the enthusiasm of commercial banks in handling “student loans” is not high, the actual lending amount is small, and college graduates “student loans ”Repayment rate is low. Therefore, we should give full play to the role of the government and improve the “interest-subsidy loan” mode of financial subsidy, and introduce the policy-based credit guarantee institution into the national student loans to enhance commercial banks’ recognition of student loans and give full play to the assistance of colleges and universities Role, establish student credit electronic inquiry system, reduce the student default rate, in order to promote the healthy development of the national student loan system.