对加强和改进地方高校国家助学贷款工作的思考——以江西为例

国家助学贷款新机制颁布后,江西省地方高校的国家助学贷款仍然进展缓慢,这主要由国家助学贷款制度的“先天不足”、经办银行的“设置门槛”、地方政府的“颇感为难”、地方高校的“无可奈何”、贷款学生的“诚信危机”等诸多方面的原因造成。要加快地方高校国家助学贷款工作的步伐,应从地方政府加大支持力度,进一步完善国家助学贷款制度,加快构建大学生个人信用征询系统,加强对学生的诚信教育,大力推行生源地国家助学贷款等方面入手,改进工作方法,促进国家助学贷款持续、健康发展。

Reflection on the Enhancement and Improvement of the State Student Loan in Local Colleges

Although a new mechanism of the State Student Loan came out,the work of the student loan in the municiple colleges in Jiangxi Province still has made little progress.There are various causes for such phenomenon: "an inherent shortage" in terms of the student loan system itself,"the established threshold" in terms of the managerial banks,"the uneasy attitude " of the local governments,"the unwillingness " of the local colleges,"the credibility crisis " of the loan students and so on.To speed up the work of the State Student Loan in municiple colleges,it is required to strengthen the support of the local governments,to further improve the loan system,to speed up the construction of the individual credit rating system of college students,to strengthen the credibility education of students,to spare no efforts to carry out the State Student Loan in the places of student source,and to improve the methods,so as to promote the healthy and continuous development of the State Student Loan.