Study Of The Status Quo And Countermeasures Of The National Student Loan

State Student Loan is a kind of credit loan which the government guides, the banks implement and universities participate. It first begins in 1999 and is carried out all over the country in 2000. It has solved actual difficulties for lots of college students coming from the impoverished family. Also, it becomes the most important method in the system of education aid. However, because of flaws of the System itself, a lot of problems come out when the policy, good for both country and populaces, is in the process of implementation. The problems are such as follows: first, the State Student Loan develops slowly with its small scale; Next, college loan business of different types and different levels in different areas develop unbalanced; last, the problem of breaking the loan agreement is serious. Therefore, to study the problems in the process of the implementation of State Student Loan and seek effective solutions has become a realistic question in front of Economics of Education and Management of Education, and it surely would have positive influence on the effective movement and further consummates of the policy.The thesis firstly takes a comprehensive analysis and elaboration on the background and significance of State Student Loan, its development advancement, its characteristic attribute and its present situation implementation. The key part of the paper conducts the research and the analysis on the problems of supply and repayment mainly by way of mathematical model and fundamental research. Result from it, effective suggestions good for deepening and consummating State Student Loan Policy would be inducted pointedly so that it could be helpful to the design and the gradual consummation of State Student Loan Policy.The research conclusions of this thesis are those as follows: State Student Loan, with the characteristic of policy, trade and risk, is a special product of combination of finance, high education and economic policy. State Student Loan benefits to society, individual, bank and college, so the problems existent can not be neglected. In order to promote the effective development of State Student Loan in our country, government should consummate the legal laws and regulations related to State Student Loan. Also, bank should work ways out to wide the service of State Student loan. Meanwhile, students must improve their own comprehensive quality to be a person with good faith. Additionally, college should play a role as an effective bridge in coordination with bank. In brief, government, bank and college must pay full attention to the work of State Student Loan, do research from all kinds of aspects, and take confirmation by way of constantly practice in order to form scientific and effective operation mechanism, promoting its benign development.