The Research On Safe Operating Mechanism Of National Student Loan

Since the end of the 20th century, the University of our Country was expanding employing constantly and university charging the overall implementation of the system, although has promoted the development of higher educational undertaking of our country actively, meanwhile, the problem of financial difficulties students to go to school is becoming outstanding day by day. Under background this, our country issue policy of lending to giving financial aid to students on 1999, its purpose was to improve the subsidy policy system of ordinary higher learning school of our country, strengthen it to the poor family's student's subsidy of ordinary higher learning school, help the financial difficulties students of the family to pay the tuition and expense living cost, in order to ensure them to finish the study smoothly. National student loans possess the characteristics of commerciality, policy, risk; it helps to accelerate the national educational reform, bring an advance in higher education that it is operated, expand capital investment of manpower, promote the national economic growth, guarantee poor students finish the study, and encourage loan students to study hard. This policy is implemented, though has played a positive role in subsidizing the poor student, having comparatively solved the poor student's problem difficult to educate in the university effectively, but many problems exist while it operates. Among them, more important problem is that students break a contract; the commercial bank cherishes the loan, student loans process slow, scale small, source of student loans operating mechanism complete, the credit insurance system of the loan is imperfect. The reason of national student loans operate smooth is that ability of loan student refund to be weak mainly, the mode of repayment which the bank offers is not flexible, the credit rating system is imperfect, risk compensate sharing system to be defective, country give financial aid to students payment for goods legislate completely. Through optimizing the mode of repayment of student loans, establish the system of complete personal credit, set up high-efficient loan and retrieve the mechanism, set up measures such as the complete national legal system of student loans, improve the operating mechanism of national student loans, facilitate raising university students' refund rate and students' sincere consciousness, the behavior is supervised, managed, can give play to the role of national student loans more effectively after facilitating the loan to students.