"About The National Student Loan Management Regulations(Trial) "Policy Research

In 1999, large-scale enrollment of colleges and universities, at current statistics, the national college enrollment of 1.6 million, an increase of 52 million more than in 1998, an increase of up to 48%. With the reform of college enrollment, fee system, followed by students from poor families' issues highlighted. In this context, the beginning of 1999 established a national inter-ministerial coordination group student loans by the Ministry of Finance, People's Bank of China's three departments and the establishment of a national student loan management center in the Ministry of Education. Thus, for the country economically disadvantaged families of college student loans work smoothly, the State Council approved the same year on May 13 formally introduced the national student loan system that is "on the National Student Loan(Trial)"(hereinafter referred to as "National Student Loan Policy") pilot project was officially launched in Beijing, Shanghai, Tianjin, Chongqing, Shenyang, Wuhan, Xi'an, Nanjing and other eight cities.According to statistics, since 1999, as of 2013, a total of 998.90 million people get student loans, approving the amount of 103.208 billion Yuan. Which 537.53 million people on campus National Student Loan, approving the amount of 53.562 billion Yuan; 461.37 million students get credit student loans, the amount of 49.646 billion Yuan approval. The provinces(including students credit student loans and campus National Student Loan) 880.17 million to handle student loans, the amount of 85.004 billion Yuan approval; central subordinate institutions handled 118.74 million loan, approved amount 18.204 billion Yuan.However, with the gradual deepening of the further development of market economy and the reform of higher education, the system itself is defective, since the implementation of the national student loan policy has sixteen years ago, have become increasingly prominent.By reading a lot of literature about student loans, informed of the implementation of the national student loan policy, the status quote of poor students and universities, were from the national student loan policy introduced the background, the implementation of policies, the effect of policy implementation, etc. a more comprehensive discussion of the policy for policy analysis, focuses on poor students identified in the national student loan applications Student Loan recovery path and low repayment problems, it aims to identify the State Student Loan Policy Implementation encountered problems and propose two innovative national student loan policy: First, create a personal credit rating system, this system will be after graduation and student's personal or family mortgage, car loan is integrally formed to address the national student loan recovery in low repayment problems; Second, establish a scientific and rational quantitative criteria identified poor students of colleges and universities, so that the real poor students go to school in order to promote our national student loan policy of sustainable development.