我国自推出国家助学贷款以来,取得了很好的成效。但是,国家助学贷款本身也存在着不少问题,影响了它的进一步推广。要改革现行的国家助学贷款制度,从根本上解决目前国家助学贷款实施过程中存在的制度性障碍,是一项涉及面广且十分复杂的系统工程,需要商业银行、学校、学生个人及政府的共同努力,研究建立国家助学贷款的长效机制。 Since the launch of the national student loans, China has achieved very good results. However, the national student loan itself also has many problems, affecting its further promotion. To reform the current national student loan system and fundamentally solve the institutional obstacles existing in the implementation of the national student loan system is a systematic and complex project involving commercial banks, schools, students and individuals The government’s joint efforts to study the establishment of long-term mechanism of national student loans.