助学贷款是利用金融手段完善我国普通高校资助体系,加大对普通高校家庭经济困难学生资助力度所采取的一项重大措施。我国国家助学贷款项目自1999年启动至今已历经16年,但仍存在助学贷款规模偏小、贷款形式单一、贷款违约风险高、助学贷款体系不完善、金融机构缺乏开展业务的积极性等问题。主要问题政府的介入程度浅,角色 Student loans are financial means to improve the funding system of ordinary colleges and universities in our country, and increase the subsidies for students from economically disadvantaged families in ordinary colleges and universities by taking a major measure. Since the start-up of China’s national student loan program in 1999, it has been going through 16 years, but there are still some problems such as the small size of student loans, single forms of loans, high default risk of loans, imperfect student loan system, lack of financial institutions’ enthusiasm to carry out business, etc. problem. The main problem The government’s intervention level is shallow, the role