国家助学贷款因办理环节多、周期长、贷款对象流动性强以及社会信用体系影响等原因,造成助学贷款风险的不确定性。因此,全面分析国家助学贷款风险表现,构建有益于助学贷款政策良性发展的风险管控对策,是具有理论研究价值和实践意义的。 Due to many reasons such as handling many links, long periods, strong liquidity of loan objects and the impact of social credit system, the state student loan has caused the uncertainty of the student loan risk. Therefore, it is of theoretic research value and practical significance to comprehensively analyze the performance of national student loan risk and to construct a risk management and control strategy conducive to the sound development of student loan policy.