助学贷款难已经引起了社会的广泛关注,本文讨论了制约助学贷款发放的基本原因,指出深层次的矛盾在于国家助学贷款的政策性实质和作为商业贷款发放的制度性错位。以此为出发点,认为实现与社保基金的结合才是助学贷款的最好出路。社保基金的制度特点也决定了由其发放助学贷款具有得天独厚的优势,并有着切实的可操作性和可行性。 The difficulty of student loans has aroused widespread concern in the society. This paper discusses the basic reasons for restricting the loans, and points out that the deep contradictions lie in the policy nature of the national student loans and as a systematic dislocation of commercial loans. Taking this as a starting point, we think that the best way to get a student loan is to realize the combination with the social security fund. The institutional characteristics of social security funds also determine the grant of student loans by its unique advantages, and has practical feasibility and feasibility.