A Research On The Problem Of Student-Aided Loan Risks And Precaution Mechanism

With the dramatic increasing in the number of Chinese college students and serious shortage of government investment on higher education, more and more percentage of the financial burden of higher education is born by individuals. The poor college students accounts above 20% of all. The percentage will be increasing from now.The continuous increase of college students with financial difficulties requires further improvement of the system of student loan and financial aid to these students.As the main channel for helping college students with financial difficulties, the State-sponsored student loan has its own characteristics, Currently, Student-aided Loan is a kind of business credit in our country, and the risk is usually the highest.The policy of national student loans has acquire enormous achievements in more than seven years, but the effect of this policy are not perfect. This author analyses the main existing problem in national student loans at the present stage and systematically analyses its risks and reasons from four aspects, The government,the colleges the bank and the students. On the basis of drawing references from operating mechanism and administrative experiences and lessons of other countries . It puts forward some strategic conception of improving the operating mechanism of national student-aided loan in our country and in addition ,it gives some constructive suggestions from the different four levels mentioned above.