开展国家助学贷款政策,是实施科教兴国战略,加大人才培养的重大举措。这一政策的推行使越来越多的经济困难大学生顺利完成学业。但是由于助学贷款是一种无担保贷款,商业银行能否按时收回贷款取决于借款人的信用和偿债能力等。商业银行发放助学贷款存在哪些风险,并该采取哪些应对措施,将是本文要讨论的话题。 Carrying out the national student loan policy is a major move to implement the strategy of rejuvenating the country through science and education and increase personnel training. The implementation of this policy has enabled more and more economically disadvantaged college students to complete their studies successfully. However, as student loans are unsecured loans, the timely recovery of loans by commercial banks depends on the borrower’s creditworthiness and solvency. Commercial banks issuing student loans which risks exist, and what measures should be taken, this article will be the topic of discussion.