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助学贷款政策能够有效帮助家庭经济困难的学子完成学业,但由于政府、高校、银行等部门执行不力、管理缺失、经营不善及部分学子缺乏信用等原因,导致助学贷款无法实现良性循环。应加快立法进程,进一步明确政府、银行、高校、学生的责任;建立个人信用信息与银行卡信息、个人账户信息等相连接的手段,强化信用管理;加强信用教育,形成全社会齐抓共管良好局面;培养个人素质,从源头上解决人的信用危机这一根本性问题。
The student loan policy can effectively help the economically disadvantaged families to complete their studies. However, due to the poor implementation of government departments, universities and banks, the lack of management, the poor management and the lack of credit of some students, the student loans can not achieve a virtuous circle. We should speed up the legislative process and further clarify the responsibilities of governments, banks, colleges and universities and students. We should establish means of connecting personal credit information with bank card information and personal account information, and strengthen credit management. We should strengthen credit education and make concerted efforts to achieve a concerted and concerted whole society Situation; cultivate personal qualities, from the source to solve the human crisis of credit this fundamental issue.