教育助学贷款是国家为支持教育而主要对贫困学生发放的贷款,其运行情况如何,我们对部分县域金融机构进行了调查,结果发现,除农行发放了部分“金钥匙”助学贷款外,许多县域金融机构根本就没有开办这项业务,出现这种状况的原因主要有以下几点:一是收益低。目前基层金融机构对其他贷款种类基本上是上浮到顶,即商业银行上浮30%,农村信用社上浮50%,其收益远远高于教育助学贷款。二是期限长、风险大。按照国家有关规定,教育助学贷款的期限一般在八年以上,遇个别情况还要展期,期限可能更长,其 The education student loan is a loan that is mainly granted to poor students by the state to support education and its operation. We conducted a survey on some county financial institutions and found that in addition to the issuance of some “golden key” student loans In addition, many county financial institutions do not start this business at all. The reasons for this are as follows: First, the income is low. At present, the grassroots financial institutions basically float up to the top of other types of loans, ie commercial banks go up 30% and rural credit cooperatives go up 50%. Their benefits are much higher than those of education and student loans. Second, long duration, high risk. In accordance with the relevant state regulations, the duration of education student loans is generally more than eight years, in some cases but also extended, the deadline may be longer, its