生源地助学贷款:现状、问题与前景

生源地助学贷款作为大学贫困生资助项目之一．几年前已经在部分省市开始实施。目前的实施现状可以概括为三点：步伐不一、内容各异；规定单一、创新不足；影响较大、仍需完善。当前生源地助学贷款面临的困境是地方金融机构正面临体制改革、生源地助学贷款的运行环境不充分和实施环节尚不完善。生源地助学贷款的进一步开展需要在其角色定位、政策的因地制宜和厘清政府作用三个方面入手考虑。

Student-Home-Based-Loan: Actuality, Problem and Prospect

Student-Home-Based-Loan is one kind of college student aids that has been implemented in some provinces for several years.At present,the actuality of Student-Home-Based-Loan has three characteristics: the progresses are different and the policies are various,regulations are simplex and the innovations are short,the impacts are great and the contents are not perfect.The present difficulties of Student-Home-Based-Loan are system reform of local financial institutions,implemental circumstances are not sufficient and operation steps are not consummate.The further expansion of Student-Home-based-Loan needs to strengthen the following three aspects: role orientation of Student-Home-based-Loan,adjust measures to local conditions and make certain the function of government.