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为给家庭困难的在校大学生提供基本物质基础,帮助其完成大学阶段的学业,解决生活困难,实现教育公平化,生源地助学贷款作为一项重大举措被推向前台。生源地助学贷款作为大学贫困生资助项目之一,几年前已经在部分省市开始实施。数据显示,高校经济困难学生中83%为农村学生,对于这一部分农村学生来说,生源地助学贷款无疑是帮助他们顺利完成学业的重要举措。目前生源地助学贷款的的实施情况可以总结为:贷款信用不足,贷款行承受风险较大;程序繁杂,落实困难;审核机制不健全,骗贷行为普遍存在;缺乏法律保障,秩序混乱。针对此现状,作为生源地助学贷款落实的两个重要环节,学校和银行要联手加强贷款管理和监督,做到应贷必带,骗贷严惩,努力做到将助学贷款发放到真正需要的贫困学子手中。
In order to provide the basic material foundation for college students with difficulties in their families, to help them complete their studies at the university level, solve the difficulties in life and realize the fairness of education, student loan loans from students are being pushed forward to the forefront. Student loans to students as one of the college funded projects for the poor, a few years ago in some provinces and cities began to implement. Data show that 83% of economically disadvantaged students in rural areas for rural students, for this part of rural students, student loans are undoubtedly the source to help them successfully complete an important measure of their studies. At present, the implementation status of student loans can be summed up as follows: the credit of the loan is insufficient, the risk of the loan bank is greater; the procedures are complicated and the implementation is difficult; the audit mechanism is not perfect and the credit fraud is ubiquitous; In view of this situation, as the two major links in the implementation of student loans, schools and banks should work together to strengthen the management and supervision of loans so that they should be backed by loans and severely punished by credit lending so as to make efforts to release student loans to the real needs Poor students in the hands of.