Student Loan Implementation And Countermeasures Recommendations

With the development of the reform of China's higher education and the implementation of charging system in universities and colleges, the number of the university students who have economic difficulty increases in a large scale. The problem of those students with economic difficulty becomes more serious with each passing day. Therefore, our government has established the grant system of poverty students in colleges and universities, that is"loans,awards,assistance,jobs,grant,reduction", which coexists and combines with each other. Moreover, State educational loans play a leading role in the system.State educational loans are operated mainly by our government, together with banks, service in universities and colleges, meanwhile subsidized by ministry of finance. They are one kind of banking loan specializing in helping those who have economic difficulty in universities. They are an important measure in the CPC Central Committee and State Council under the economic conditions of the socialism market used through the financial means to improve the funding of university policy system, and increase economic hardship for ordinary college students with financial assistance efforts. Since the funding of State educational loans were set up in 1999, they have played an important role in helping numbers of students in poverty to be enrolled and graduated successfully. However, the system in our country didn't begin early, there are some disadvantages and some problems during the implementation. Whether we can solve these questions properly and perfect the system as soon as possible, which will directly effect the harmony and stability of universities and societies.This thesis expounds the background, meaning, nature, significance and theory of the current State educational loans. And the thesis looks back the developing process of China's educational loans, making S University as an example, analyze the current situation and existing problems of the implementation. Currently, the main problems are that parts of the loan rules are unreasonable, the policy publicity is too less, we lack of the standard of providing loans, the leading role of educational loans in the grant system is not prominent and the ratio of loan breach of faith is high. And this analyzes more about the reason of existing problems.On the basis of profoundly analyzing the reason of existing problems in State educational loans, the author has put forward some countermeasures helping improving the loan system. First, the construction of circumstances of State educational loans should be strengthened, which is the precondition. Secondly, the grant system helping those who have economic difficulty should be improved, which is the base. Thirdly, the participants in this system should be explicited, which is the compulsory condition. Finally, the author suggests two creations, that is establishing banks with loan policy only to deal with educational loans and reclaiming the grant via retirement pension. In this way, it will solve the problems and contradictions in the implementation of State educational loans, accelerate the extending and reclaiming the loans better and achieve the sustainable development of State educational loans.