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近年来,生源地国家助学贷款使更多的贫困生圆了求学梦,为培养各类专业人才创造了条件,产生了良好的社会效益,同时也为基层农信社开辟了一条新的支农途径,拓展了业务空间。近三年来,河北省信用联社生源地助学贷款发放额度每年均以一定的比例上升,调查统计数据显示,2004、2005年,生源地助学贷款增长率分别达到34．8％和38．6％。由于该项贷款创办时间较短,而贷款期限较长,从表面看,贷款占用态势较好,但潜在风险不容忽视。
In recent years, the country’s student loans have made more poor students dream of studying, created conditions for cultivating various kinds of professionals, produced good social benefits, and at the same time opened up a new branch for grassroots RCCs Agricultural routes, expanding the business space. In recent three years, Hebei Province Credit Union student loans to student sources of a certain proportion of the annual increase in the amount of the survey statistics show that in 2004 and 2005, student loan growth rates of 34.8% and 38 respectively. 6%. Due to the short start-up period of the loan and the long term of the loan, on the face of it, the occupancy of the loan is better but the potential risk can not be ignored.