Study On Locally-granted Student Loan

The college student loan is the funding policy of our country to help those students whose families have economic difficulties to finish their academics; it is one of the important progresses in higher education since reform and opening up in our country.With the help of the national student loan, there are tens of thousands of students realize their dreams in accessing to higher learning education. Since the implementation of the policy of national student loans in 1999,there have been 12 years.Experienced national student loans to locally-granted student loan, resolved the old method of lag and many and diverse, At the same time the new student loan measures on banks loan risks were fully textual research, trying to fundamentally solve the problem of bank lending any menace from the "rear", funding for more students.But because the locally-granted student loan to promotion from try out up to now, only a short period of four years, there are certain deficiencies. This study aims at two different periods of student loan policy and the implementation of the contrast research, analysis the student loans policy problems and deficiencies, and to put forward the corresponding suggestion, in order to make the loan policy to be further improved.The research methods adopted by this article are investigation study method and comparative study method.This research is composed of four chapters:The first chapter is preface part. This part introduced the research background, research purpose and significance, literature review, theoretical basis.The second chapter is the introduction of our student aid system and the comparison of them. This chapter is mainly through the introduction of the funding system for college students in China, comparison of different between the national student loan and the locally-granted student loan, thus summed up the advantages of the latter.The third chapter is the analysis of the current situation of locally-granted student loan. Firstly, introduced the locally-granted student loan in the background. Secondly, analyzed of the present situation of the locally-granted student loan.Finally, summarized the existing problems and shortcomings of the loan system.The fourth chapter is the suggestions of the credit risk control in the locally-granted student loan. In this chapter, aiming at our country loan problems, from the government and universities levels put forward several countermeasures and suggestions, in order to establish suitable for China's national conditions of the loan system to help.