高校助学贷款自推出以来,受到社会各界的欢迎。面对违约率及逾期呆坏账的增长,高校助学贷款陷入了政府支持、银行不积极的尴尬境地。本文通过系统分析高校助学贷款违约的主要影响因素,构建了基于还款能力和还款意愿的违约风险测算模型,最后提出了降低高校助学贷款违约风险的对策。 Since its introduction, student loans have been welcomed by all walks of life. Faced with the default rate and the growth of overdue bad debts, college student loans have fallen into the government support, the bank is not actively embarrassing situation. This paper systematically analyzes the main factors that affect the default of student loans in colleges and universities, constructs a default risk measurement model based on repayment ability and willingness to repay loans, and finally puts forward some countermeasures to reduce the default risk of student loans.