今秋《关于助学贷款管理的补充意见》引起了教育界和金融界的强烈反响,《补充意见》较以往国家助学贷款有诸多不同,如经办银行由工行一家独办放开至所有商业银行,贷款对象由贫困的在校本专科生扩大至所在校专、本、研究生(第二学历)等。最大的不同之处在于取消了必要的担保条件,也就是说,银行对在校大学生可以发放信用贷款而无须借款人提供某种形式的担保。这种既有财政贴息,又无须担保的国家助学贷款大受学生及学生家长的欢迎,成了莘莘学子的“福音”。《补充意见》还规定一所高校只能选择一家银行办理国家助学贷款,于是乎,饱受市场竞争 The “Supplementary Opinion on Student Loan Management” in Autumn this year has aroused strong repercussions from the education and financial communities. “Supplementary Opinions” have many differences from the previous national student loans. For instance, handling banks from the ICBC alone to all commercial banks Banks and loan recipients should be expanded from poverty-stricken school-based students to their school majors, postgraduate students (second-degree education) and so on. The big difference is that the necessary security conditions have been removed, meaning that banks can extend credit to college students without some form of security for borrowers. This kind of state-funded student loan with both financial interest subsidy and no guarantee is greatly welcomed by students and parents and has become the “gospel” of students. “Supplementary Opinions” also stipulates that a university can only choose a bank for state student loans, therefore, suffer from market competition