国家助学贷款政策实施中存在的问题及对策研究 摘 要 近年来，为了更多的贫困生能够得到受高等教育的机会，国家开设了助学贷款，这为学校和学生都提供了很大的利益，但是由于有些学生毕业后不换国家贷款，再加上银行为学生办理贷款的成本较高，导致银行惜贷。本文对国家助学贷款所存在的问题提出了一些建议。关键词：贷款；教育；银行 目 录一、国家助学贷款概述 ··················································4（一） 什么是国家助学贷款····················································4（二） 国家助学贷款意义和作用·················································41.加速人才培养································································42.促进我国教育事业发展的重要举措··············································43.进一步完善经济困难学生的资助政策体系缓解了高校资助经费不足的矛盾············44.帮助学生树立正确的价值观，鞭策学生努力上进··································45.为公民获得公平、公正的教育机会提供了社会保障机制····························5二、国家助学贷款实施情况 ·············································61.政策形成和调整阶段··························································62.政策形成和发展阶段··························································7三、国家助学贷款的实施中遇到的阻碍与问题························71.供需差距依然纯在····························································72.银行参与的积极性不高·····································...
