国家助学贷款是党中央、国务院对高校家庭经济困难学生资助所采取的一项重大措施。自1999年启动以来,国务院办公厅先后四次下发文件,不断完善和推进此项工作。但由于多种原因,在尚未建立合理的风险补偿机制的情况下,让商业银行承担国家助学贷款的重大任务和难以预料的风险,这就出现了商业银行的“逐利”目标和国家助学贷款的“助学”目标之间的矛盾, The national student loan is a major measure taken by the Central Party Committee and the State Council on the financial aid for students from economically disadvantaged families in colleges and universities. Since its launch in 1999, the General Office of the State Council has issued documents four times in succession to continuously improve and promote this work. However, for a variety of reasons, it is not yet established a reasonable risk compensation mechanism, allowing commercial banks to undertake major tasks and unpredictable risks of state-sponsored loans. This has led to the commercial bank’s “profit-for-profit” goal and The contradiction between the goal of “national student loan”