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国家助学贷款是国家财政贴息的商业银行贷款 ,普通高等学校本、专科生 (含高职生 )和研究生中的经济困难学生均可申请 ,不需要担保。开办国家助学贷款业务是国家实施“科教兴国”战略的一项重要举措 ,也是商业银行开展消费信贷、改进服务、增强竞争力的一个机遇。当前 ,国家助
The national student loan is a commercial bank loan subsidized by the national finance. Students in financial difficulties in ordinary colleges and universities (including those in higher vocational schools) and postgraduates may apply for this loan without any guarantee. Starting a national student loan business is an important measure taken by the state in implementing the strategy of “rejuvenating the country through science and education,” and is also an opportunity for commercial banks to carry out consumer credit, improve services and enhance their competitiveness. Currently, the state helps