College Students’ Honesty Problem And Countermeasure Research

Since the end of the twentieth century, as the country of higher education generalization, and pay attention to our country’s higher education level and scale of development is rapid. However, in the establishment of the system of higher education charge and at the same time, on the implementation of the consequent caused by family economy difficulty student "school education\" problem, also caused the extensive concern of the society from all walks of life. In addition to the already smoothly in the proceedings of the national student loan system, and also a kind of new loans, the national student loan student nationalities also arises at the historic moment, become a new funding to help them complete their studies smoothly. Students to student loans implementation has made great achievements, effectively reduce the burden of some economic difficulties students, but in the implementation of the system at the same time, also exposed the national student loan system in students in some need to research and management of the problem to be solved. Scholars of the most attention is the national student loan student nationalities for unsecured credit loans, loan graduates cannot repay the loan on time or malicious default loans problems, emphasize the college students’ credit risk problem.College students’ honesty problems not only restrict the healthy development of students to student loans, and the related policy and system deeply and popularize produced adverse effect. How the opposite source of student loans for precise risk control, thus promoting the smooth development of student loan works, is the key of the relevant units and departments to study and attention. We must start from the roots of the good faith, at the same time of deepen based integrity education of college students, to form the moral integrity of consciousness. This paper the author participate in tutor professor Zhang Bing charge "in hubei province from student loan policy research"(hubei province), humanities and social science project follow-up study, mainly through to the national student loan student nationalities college students honesty issues in-depth understanding and research, surrounding the loan related main body, the thorough analysis from the root cause of the phenomenon of college students’ honesty problems in student loans, student aspects: lack of understanding of their own good faith consciousness, insufficient attention to the good faith system; Insufficient aspects: campus construction of honesty system, based on good faith education in-depth; Banks: post-loan tracking mismanagement, lack of regulation of personal integrity; The imperfection of the system of government: integrity, imperfect relevant laws and regulations; And accordingly puts forward effective prevention integrity problems: the students themselves, to strengthen the integrity of self-discipline self-respect, practicing good faith standard system; The right to coordinate the relationship between the social demand and individual choice; Correctly handle the relationship between heteronomy and self-discipline; The correct understanding of the relationship between the rational cognition and practice experience. Colleges and universities, strengthening basic integrity education for university students, establish a scientific and effective system of education; To strengthen the construction of good faith specification guide; Make full use of classroom education. Banks, perfect the relevant student loan system, establish individual credit archives as soon as possible; Simplify loan procedures and audit system; Reimbursement means rationalization of human nature, strengthen post-loan tracking management; Set up personal credit files, strengthen the supervision of credit loans. The government, strengthen the student loan credit supervision; Optimize the environment of society as a whole, build the atmosphere of honesty; Improve the laws and regulations and the loan policy.