本文阐述了助学贷款的缘由及我国助学贷款政策的实施和完善。分析了现行政策本身和运行中存在的问题:政策目标与商业目标存在矛盾,银行的激励和制约机制不完善;高等学校的担保责任过高;对失信惩戒力度不够;延长还贷年限使追缴贷款工作更加困难等。在此基础上提出了改进的对策建议:银行要转变观念;高等学校要加强管理;政府要完善措施,力求形成共赢机制。 This article elaborates the reason of student loan and the implementation and improvement of our student loan policy. It analyzes the existing policy itself and its operation problems: the conflict between the policy goal and the commercial goal, the insufficiency of the bank’s incentive and restriction system, the overriding responsibility of colleges and universities, the inadequacy of disciplinary punishment, the extension of repayment period Work more difficult. On this basis, we put forward some countermeasures and suggestions for improvement: banks should change their concept; colleges and universities should strengthen management; and the government should perfect measures and strive to form win-win mechanism.