国家助学贷款与个人信用制度的法律思考

国家助学贷款步履维艰，最根本的原因在于还停留在用诚信、道德维系信用还款，尚未步入用信用制度、法律制度的轨道，个人信用评估体系的不健全，对恶意逃债的人缺乏有效的制约机制。信用是一个人立足社会的根基，助学贷款属于没有担保、没有抵押的纯信用贷款，其运作只有建立在个人信用制度的平台上，构建全国一体化的个人信用制度是解决助学贷款的关键。

Reflection on the Law of the Student-aiding Loan and Personal Credit System

This paper points out that only relying on the lenders' faithfulness and morality to get the funds back makesthe plan of providing loan for poverty students hard to achieve success. It analyzes that the imperfect evaluation systemsmakes it difficult to control those who intend to escape the debt and suggests that the key to solve this problem is to set upsound national-wide personal credit system.