论影响国家助学贷款工作之因素及对策

国家助学贷款工作在帮助经济困难学生完成学业、实施科教兴国战略、保持社会稳定等方面有着重要作用，但目前工作中还存在两大主要问题，通过从银行、学校和学生三方面分析影响贷款工作之因素，从而并找出对策：提高认识，立足长远；加强教育，增强还款主动性；完善各项制度，使工作形成良性循环；更新手段，提高效率。

Influences and solutions to state loans for aiding students

The state loans for aiding students are playing an important role in helping students with financial difficulties to finish their studies in university ,prospering the nation with science and education and keeping the social stability.To main problems about it,the writer analyzes the factors and suggests some countermeasures so that it may be good to do the work well.