The Research Of Credit Construction In The Problem Of National Student Loan

Research on faith education and credit system of National Student Loan has become a key project of National Student Loan research. This paper begins with analyzing problems in National Student Loan and the absence of credit moral culture, and then discusses how to build rational student loan system, faith education system and credit system.Practice is the sole criterion for testing truth. In the process of carrying the National Student Loan policies and credit system, we will meet different problems. In order to offer good plans and constructive suggestions in setting rules for the healthy development of the National Student Loan, making the National Student Loan's policies and training the high-quality talents, we should start improving the credit system and strengthening the credit education of college students. This can be done by researching these problems and learning experience from developing countries.In this paper, the first three chapters summarize the characteristics and development of the present National Student Loan. By researching lots of literature and government files, this part emphasizes the National Student Loan's self-defects in policies'designing and the defects of credit education, and points out problems, such as the loan's single kind, the unreasonable redemption date, the vague extend standards, the lack of funds, the poor communication between banks and universities, the poor motivation of banks. Besides explaining the system, this part also analyzes problems existing in the social environment, university environment and students'consciousness. Try to hide, you must know to hide what.The National Student Loan and the initiation and formation of the credit system are something new to our age. We see the problems and lacks in the National Student Loan, credit system and credit education by considering the culture root and studying history. For us, how to solve and improve these problems is a burning question. The historical experience tells us that we should learn from western countries and combine the advanced experience with ourselves reality, discard the dross and select the essence, not just worship everything foreign. The chapter four and chapter five devote a lot of space to analyze the credit system and student loan's mechanism in developed countries, especially western developed countries. The trustworthiness, contract and government's support, especially government's dominant action, all are that we should learn. Besides these, the rising of social credit environment and college students'honest awareness is also very important.Under the direction of Marxism-Leninism and theories of socialism with Chinese characteristics, this paper gives rationalization suggestion for designing the National Student Loan rules, improving the risk compensation mechanism, building the credit system and credit education system by comprehensive analysis, comparative study, Literature Retrieval and questionnaire method.National Student Loan is a policy-related and public welfare move, which is a great benefit move for implementing the strategy of Developing the Country through Science and Education by our party and government. Perfecting the credit system and improving the credit education are not only the great factor for social stability, but also the advantage safeguard for National Student Loan's success. Perfecting the National Student Loan and credit system has profound significance to establishing a harmonious society, guarantee nation's long-term stability, people's peaceful and happy life and social's stability and unity.