Studies The Problems Of National Student Loan According To The Local Colleges And Universities Of Liaoning Province

National Student Loan is a credit that the government gives the discount, commercial banks provide the principal and they are responsible for granting it. It faces the full-time postgraduates, graduates and junior colleges students who have economic difficulties. The purpose is helping them pay tuition fees and living expenses. Also, the students don't need to give a guarantee to the banks. National Student Loan system has import significance for the implementation of invigorating the country through science and education, speeding up the development of higher education, expediting the talent training.Since it carried out formally in 1999, it has already solved a large number of college students'actual difficulties, who come from poor families. And it has become the most important way of higher education financial aid system. It has drawn the social various circles attention and won unanimous recognition. As a great education province, there are 70 local colleges and universities in Liaoning Province. After the new mechanism of National Student Loan was operated in 2005, the 70 local colleges and universities have been brought into the business fields of National Student Loan. It is in the lead of national work.However, the implementation of National Student Loan was not all smooth sailing, it encountered many difficulties and problems. In order to guarantee National Student Loan.to carry out effective in the local colleges and universities of Liaoning Province.Firstly,expound the meaning,the character,the seedtime of National Student Loan and the significance of National Student Loan.Secondly,analyzed the present situation,the problems and the reason of the National Student Loan in the local colleges and universities of Liaoning Province.At the present time, the National Student Loan of Liaoning Province has obtained certain result,but still a lot of problems,such as the government not to be ideal to work effect of National Student Loan,the enthusiasm of loan not high about bank, the grade of service was bad, the colleges and universities were insufficient to good faith education for the students, the loaned's rate of behind in payment higher and so on. At the same time, analyze the problems from the system, the bank, the colleges and universities, the student. Once more, summarized the success experience of domestic and foreign about National Student Loan. Finally, proposed the countermeasure of National Student Loan according to the local colleges and universities of Liaoning Province. Should further enlarge the government to participate in National Student Loan, consummates the credit safeguard mechanism of National Student Loan in Liaoning Province, consummates and develops the business of National Student Loan in Liaoning Province, Strengthens the the colleges and universities's work about National Student Loan, Setting up student's good faith idea.