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从1999年我国开始实施国家助学贷款政策,到目前包括生源地助学贷款、商业性助学贷款在内的助学贷款体系的不断探索和完善,助学贷款一直备受政府部门的高度重视和大力推动。但随着助学贷款业务的开展,其面临的矛盾和问题也不断显现:助学贷款手续繁杂、补偿资金不到位、贷款违约率攀高,等等。在一些欠发达地区,一边是人数占到新入学大学生半数以上的贫困生,一边是金融机构助学贷款的少人问津,甚至逐年缩水。助学贷款的可持续发展面临考验。
Since 1999, China started to implement the national student loan policy. Up to now, the student loan system including student loan and commercial student loan has been constantly explored and perfected. The student loan has always been highly valued by government departments And push hard. However, with the development of student loan business, the contradictions and problems confronting it have also continued to emerge: the procedures for student loans are complicated, the compensation fund is not in place, the loan default rate is rising, and so on. In some underdeveloped areas, on the one hand, poverty-stricken students, accounting for more than half of the newly-admitted university students, are on the one hand fewer people who make financial aid loans, and even shrink each year. The sustainability of student loans is facing the test.