Research On The Problems And Countermeasures In The Implementation Of National Student Loan

The last century at the end of 70 s,China resumed college entrance examination system.In order to achieve all-round development of economy,the government put forward the development ideas of reform and opening up.To achieve equality in education,the implementation of the development strategy of science and education,the Chinese government issued a national student loan system.From the view of the current subsidy system in Colleges and universities,is the largest national student the loan.The national student loan is a kind of no need to guarantee commercial loans,mainly through personal credit students,help students to complete their studies and timely implementation of the loan policy.Due to completely rely on the students' consciousness of commercial loans to repay the loan,so there are various risks can not recover in time.Considering the student loans are small loans plus,the recovery procedure is complex,greater mobility and other issues as well as students,banks should timely recovery of the loans,need to bear the high cost.In this case,there are many problems of integrity of college students,some commercial banks in order to reduce the risk factors of the loan in the link And began to implement the credit crunch,the adverse selection behavior,so the loan difficult problem.This is because of our national credit system is not perfect,the main behavior of student loan management system of responsibility is not clear,not a strong sense of responsibility,it is difficult to establish in our country more closely,efficient operation mechanism.The field survey is carried out to study the implementation of national student loan in Henan Province Based on in accordance with the questions analyzing questions and solving problems to promote the idea of the whole research work.In the process of research,this paper adopts the research methods of literature study and empirical analysis combined with the case.This paper consists of five parts: the first part is the introduction,mainly expounds the research purpose and significance,combing the existing research results,and introduces the research background,literature review and research methods;the second part introduces the Chinese government long-term implementation of the relevant national lending policies,the reader can on the loan work process and the specific problems have a certain understanding;the third part is the analysis of the national student loan case,the National Development Bank branch in Henan Province as the research object,the student loan policy in Henan Province,the existing national student loans management institutions in Henan province and the actual implementation;the fourth part of the combination of Henan The actual implementation of the policy analysis of the student loan in the existing problems and solving strategies,starting from a new perspective,the national student loan is mainly related to the following subjects: government,banks,colleges and universities,the division of responsibilities,and the subject of the implementation of inter relations are defined;the fifth part the direction and the need of national student loan management system to solve the problem,provide some theoretical support for sustainable and healthy development of national student loan in Henan province.