国家助学贷款是为了帮助解决高校经济困难学生无力支付学费、生活费等而发放的财政贴息贷款,是国家采用经济手段帮助贫困学生顺利完成学业的一项重要内容。我国自1999年6月实行国家助学贷款政策以来,总体上取得了很大成效。但在目前全国个人征信体制尚未建立,贷款的政策性和商 The national student loan is to help solve the financially impaired loans of financially disadvantaged students who are unable to pay the tuition fees and living expenses of colleges and universities. It is an important part of the state’s economic measures to help poor students successfully complete their studies. Since the implementation of the national student loan policy in June 1999, our country has made great achievements overall. However, at present, the personal credit information system in the country has not yet been established and the policy and business of the loans have been established