助学贷款的国际借鉴及启示

国外和香港助学贷款工作成效显著,给我们的启示是,要明确政策体系,保持政策的长期性和灵活性;要完善法律架构,规范契约行为和违规惩处;要完善诚信教育,建立银行诚信档案;同时,要积极推行生源地贷款工作。在这个基础上,深圳和沿海发达地区可以率先考虑建立学生资助机构,专门负责大学生资助工作,加大政府对大学生的资助力度,开创大学生资助的新举措。

Student-supporting loan: Its International Use for Reference and Its Enlightenment

The measures taken for the student-supporting loan overseas and in Hong Kong are outstanding and their enlightenment is that we are to clarify the system of policies and retain the long-lasting nature and flexibility, that we are to perfect the legal frame, normalize contracting acts and punishment acts for the violation of rules and regulations and that we are to bring to perfection the education of credibility and honesty and to establish archives of credibility honesty. At the same time, we are to carry out the loan work in students' sources of school enrolment. On this basis, Shenzhen and developed coastal areas may consider establishing student-supporting institutions, which are particularly in charge of this supporting job and at the same time strengthen the governmental aid for college students so as to create a new situation in this field of work.