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国家助学贷款作为一项新生事物,伴随各种问题的展开,国家助学贷款在实际操作中也存在着大大小小的问题。本文主要探讨了助学贷款在实施过程中的国家政策的不完善之处,银行在发放和回收助学贷款中的阻力和困难因素,高校在帮助学生申请贷款以及宣传国家助学贷款的力度和手段上的不足之处,学生在申请贷款中的各种心理及存在的问题,提出了解决问题的对策。目前国家助学贷款还存在一些问题,但它的前途确是光明的。
As a newcomer to the national student loans, with the development of various problems, there are also large and small problems in the actual operation of student loans in China. This paper mainly discusses the imperfection of national policies in the process of implementing student loans, the resistance and difficulties of banks in issuing and recovering student loans, the efforts of colleges and universities in helping students apply for loans and publicizing the national student loans Means on the shortcomings of students in applying for a loan in a variety of psychological and existing problems, put forward solutions to the problem. At present, there are still some problems in the national student loans, but its future is indeed bright.