国家助学贷款存在的问题及风险防范对策

国家助学贷款是我国高等教育推行收费改革的产物。国家助学贷款的实施,是保障高等教育人人机会平等的体现。目前国家助学贷款存在的主要问题是行际结构和区域结构不平衡,信贷风险大以及还款期限短等。因此,必须从金融机构和学校两方面制定风险防范对策,以确保国家助学贷款的顺利发放,并发挥其积极作用。

Problems existing in the country's grant-in-aid loan and countermeasures against risk

The country's grant-in-aid loan is the product of which higher education of our country carries out the charge reform.The implementation of it is reflection of safeguarding everybody to be equal before the higher education.At present the main problems existing in the country's grant-in-aid loan is that the banking structure and the regional structure is out of balance,the credit risk is big,and the deadline for reimbursement is also short.Therefore,we must formulates the risk guard countermeasures from the two aspects of the financial institution and the school so as to provide the country' s grant-in-aid loan smoothly and display its positive role.