国家助学贷款“新政”实施一年以来,川内各国有商业银行国家助学贷款增长迅速,呈现良好发展势头,但是,助学贷款业务发展中贷款风险逐渐显现;为推进助学贷款发展,本文从完善商业银行与高校的利益共享风险分担的机制、进一步促进商业银行与高校的合作沟通、充分利用人民银行个人资信征询系统,提高还款约束力等五方面提出建议。 Since the “New Deal” of national student loan has been implemented for one year, the national student loan of commercial banks in Sichuan has been growing rapidly and showing a good momentum of development. However, the loan risks gradually appear in the development of student loan business. In order to promote the development of student loans, From improving the mechanism of risk sharing between the interests of commercial banks and colleges and universities to further promote the cooperation and communication between commercial banks and colleges and universities, make full use of PBC personal credit information system and improve the repayment binding power and so on.