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生源地信用助学贷款是国家助学贷款的重要组成部分,由国家开发银行发放,各级学生资助管理中心具体管理。开展生源地信用助学贷款工作,对于建立健全高校资助政策体系、帮助家庭经济困难大学生顺利完成学业,具有重要意义。为进一步提高生源地信用助学贷款政策的实施效率,更好地推进生源地信用助学贷款工作的顺利开展,本文立足于实际工作,从贷款额度、期限、共同借款人、审核程序等角度探析了江苏省生源地信用助学贷款政策的特点,分析了生源地信用助学贷款存在的风险以及对策。
The credit loan for students at the source is an important part of the national student loans. It is issued by the China Development Bank and is managed by the student aid management centers at all levels. It is of great significance to establish a credit subsidy loan system for students and establish a sound policy system for university subsidies to help families with financially disadvantaged families successfully complete their studies. In order to further improve the implementation efficiency of student credit loan policy of students from source and to promote the credit loan student loan from source student, the paper bases on the practical work and analyzes the credit limit, term limit, common borrower and audit procedure In this paper, the characteristics of the loan policy of credit student loans in Jiangsu Province were analyzed. The risks and countermeasures of credit loan loans in student credit places were analyzed.