2004年,针对国家助学贷款原有机制存在的问题,国家又出台了助学贷款新机制,一定程度上促进了各地助学贷款业务的发展。但是,原有设计存在的制度性缺陷没有得到根本解决,软肋依然存在,助学贷款覆盖率低,违约率高,银行缺乏积极性。主要有以下三方面的原因。政策性目的与商业化操 In 2004, in response to the problems existing in the original national student loan system, the government also introduced a new mechanism for student loans, which helped to some extent promote the development of student loan business. However, the systematic defects existing in the original design have not been fundamentally solved, the weakness still exists, the student loan coverage is low, the default rate is high, and the bank lacks enthusiasm. There are three main reasons. Policy Purpose and Commercialization