广西高校助学贷款的信用危机分析

助学贷款政策能够有效帮助家庭经济困难的学子完成学业,但由于政府、高校、银行等部门执行不力、管理缺失、经营不善及部分学子缺乏信用等原因,导致助学贷款无法实现良性循环。应加快立法进程,进一步明确政府、银行、高校、学生的责任;建立个人信用信息与银行卡信息、个人账户信息等相连接的手段,强化信用管理;加强信用教育,形成全社会齐抓共管良好局面;培养个人素质,从源头上解决人的信用危机这一根本性问题。

The Credit Crisis of Student Loans in Guangxi's Universities and Colleges: An Analysis

The student loan policy can help the undergraduates from financially disadvantaged families effectively complete their education.But this aid loan is unable to achieve a positive circle due to ineffective implementation,administrative deficiencies and mismanagement of the government,universities,banks and other sectors,as well as some students’ lack of credit.It is essential to do the following: 1.accelerate the legislative process to further clarify the responsibilities of the government,banks,universities and students;2.set up means connecting all information of personal credit with bank cards and personal accounts to reinforce credit management;3.strengthen credit education and form a good situation for the whole society to make concerted efforts;4.develop the personal qualities to solve this fundamental issue of the credit crisis from the source.