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························································9四、造成国家助学贷款实施中现存问题的原因分析··················91.目标的政策性与运作的商业性之间的矛盾········································92.就业问题突出，社会保障体系、货款风险规避机制的不健全·······················103社会信用制度供给不足·······················································10五、完善国家助学贷款政策实施的对策建议··························121.简化贷款手续成本，扩大贷款资金来源·········································122.解决学生的就业问题，记录学生的工作档案································123.建立全国大学生诚信网,便于管理··············································12【参考文献】··································································14一、国家助学贷款概述（一）什么是国家助学贷款国家助学贷款是解决我国贫困大学生上学难的一个重要的手段，是政府维护社会公平、缓解高校财政危机、提高国民科学技术文化素质(人力资本投资)的有效途径，也是考验银行服务的效率及其履行企业社会责任程度的试金石。（二）国家助学贷款意义和作用1加速人才培养如...
