Researches On Personal Credit Problem Of Student Loan In China

Student Loan System is launched as a personal credit loan system in China in 1999.It is established to help those families which can not afford tuition fees or living fees. In the beginning stage, with the cooperation of government,university and bank, this system performed well and is advertised by various parts of society. It is considered to provider a green channel to prevent any students from discontinuing their studying. But new problems emerged when the first batch of student loan should be returned. Because of the misunderstanding of the student loan and lack of credit of part of students, large part of student loan can not be returned in time.Through the problem of students can't return student loan in time, this article educes the personal credit problems in universities of China. Firstly, this article describes the development of credit system in China. Secondly, to analyze the problem of lack of credit by series of investigating data and raises some measures to handle and prevent these problems. Finally, suggest establishing university students credit system and use follow measures to make some advance.1. to establish consummate law system to ensure the establishment of student credit system and the development of student loan system.2. to establish student credit files.3. to establish student credit measurement. 4. to establish student loan risk elusion system.5. to enhance the education in the areas of credit system and morality among students and teachers.Finally,the establishment of Student Loan System not only benefits the development of student loan, but also plays a very important role in the establishment of personal credit system in China.