国家助学贷款是政府贴息和优惠个人的消费信用贷款,是国家和政府利用金融手段调控高校教育改革中诸多矛盾的举措,是资助贫困学生完成学业的有力措施和保证。实施4年来,对支持高等教育转型,帮助经济困难优秀学生顺利完成学业和实现就业发挥了积极作用,受到了社会的广泛赞同。但 The national student loan is a consumer credit loan that is discounted by the government and a preferential individual. It is a measure for the government and the government to use financial instruments to control many contradictions in the reform of higher education. It is a powerful measure and guarantee for poor students to complete their studies. Since its implementation for 4 years, it has played an active role in supporting the transition of higher education and helping outstanding economically disadvantaged students to successfully complete their studies and employment, which has been widely endorsed by the society. but