在美国、欧洲、日本等发达国家,学生贷款与个人征信体系的良性互动在实践中分别形成特色鲜明的市场化模式、公营模式和会员制模式,基本解决了学生贷款的个人隐私和信用信息共享之间的矛盾,成为这些国家学生贷款成功的关键所在。我国需要借鉴这些实践模式的有益经验,进行相应的政策改进,以便完善学生贷款与个人征信体系的互动机制。 In the developed countries such as the United States, Europe and Japan, the benign interaction between student loan and personal credit information system respectively formed distinct market-oriented, public-owned and membership-based models in practice, which basically solved the personal privacy and credit information of student loans The contradiction between sharing has become the key to the success of student loans in these countries. China needs to learn from the useful experience of these practical modes and make corresponding policy improvements in order to perfect the interaction mechanism between student loans and personal credit information system.