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随着助学贷款在各大高校的不断推行,国家也在放宽贷款条件的同时,对助学贷款的本质做出了重大的改变,即由担保贷款改为信用贷款。本论文基于国家助学贷款的现状,各大高校的违约情况,以贷后管理为切入点,从担保约束展开分析,同时辅助以诚信教育的措施,通过由点及面的方式接触贷款人群,同步分析贷款者、高校、银行、国家四方,并以此寻找突破点,从而有效的解决现存问题。
With the continuous implementation of student loans in major universities, the state has also relaxed its loan conditions and at the same time, has made a significant change in the nature of student loans, from a guaranteed loan to a credit loan. Based on the status quo of national student loans and the defaults of major universities, this dissertation starts from the post-loan management, analyzes the security constraints and at the same time assists the education in good faith, Simultaneous analysis of lenders, universities, banks, countries, the Quartet, and in order to find a breakthrough point, so as to effectively solve the existing problems.