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国家助学贷款是由中央和省级政府共同推动的一种信用助学贷款,由国家指定的商业银行负责发放,对象是在校的全日制高校中经济确实困难的本、专科学生和研究生,目的是用于帮助他们支付在校期间的学费和日常生活费。国家助学贷款从1998年提出,1999年试点,到2000年在全国铺开,走到今天已历时6年,但一直进展缓慢。无论是发放贷款的银行、还是借贷的学生,或是处于“中间人”位置的高校都认为发放助学贷款难。因此,对我国国家助学贷款发展中的症结及瓶颈研究是大力发展我国高等教育助学贷款的必要前提。
The national student loan is a kind of credit student loans jointly promoted by the central and provincial governments. It is issued by commercial banks designated by the state. It is aimed at the financially difficult college students and post-graduates of full-time colleges and universities in the university, The purpose is to help them pay their tuition and living expenses while in school. The national student loan was put forward in 1998 and piloted in 1999. It spread throughout the country by 2000 and has lasted six years now. However, it has been slow to make progress. Whether it is a bank that lends money, a borrower, or a college in an “intermediary” position, it is considered difficult to get a student loan. Therefore, the study of the crux and bottleneck in the development of China’s national student loans is a necessary prerequisite for vigorously developing China’s higher education student loans.