我国从1999年开始推行国家助学贷款制度,2002年第一批申请国家助学贷款的部分学生进入还贷期,贷款风险开始凸现。到2003年,国家助学贷款进入首批还贷高峰,但相关的数据却显示,全国借贷学生平均违约率接近20%。还贷风险的增加使各经办银行暂停了不少高校的助学贷款业务,国家助学 Since 1999, China started to implement the national student loan system. In 2002, some of the first batch of students applying for national student loans entered the repayment period, and the loan risks started to emerge. By 2003, the national loan into the first batch of repayment loans into the peak, but the relevant data show that the average loan-to-student default rate close to 20%. The increase of loan repayment risk has caused all banks to suspend the loan loan business of many colleges and universities.