助学贷款政策作为一种分担高等教育费用的有效机制,被世界上越来越多的国家所采用,我国于1999年6月正式实施了以“成本分担”和“教育机会均等”为理念,旨在帮助经济困难学生顺利完成学业的助学贷款政策。鉴于我国处于转型时期,助学贷款政策体系既具有独特的特征,也存在着明显的缺陷,必须对此加以修正,使之不断完善。 As an effective mechanism to share the expenses of higher education, the student loan policy has been adopted by more and more countries in the world. In June 1999, China formally implemented the concept of “cost-sharing” and “equality of educational opportunity” Student loan policy to help students in financial difficulties successfully complete their studies. In view of the fact that our country is in the transitional period, the student loan policy system has both unique characteristics and obvious defects. Therefore, it is necessary to revise this system so that it can be continuously improved.