张秒高 黄晓清

摘要：当前国家助学贷款违约现象时有发生，对于该助学助困的重大措施造成了不良的影响。因此，保证合同履行就成了贷款重要内容。笔者根据连续9年0恶意贷款违约率的实践，持续进行实践-理论总结-实践的循环论证，提出了一套有效的贷款工作管理机制。具体内容如下：①亲力抓好贷款的贷前资料审核和反馈，保护好学生的隐私和自尊心；②做好贷中合同解读和贷后还款动员会，启发学生履行合同的还款意识；③促进贷款学生的心理健康和成长成才，提高履行合同的还款能力；④促进贷款学生的就业，以就业促进还款实践。多环节紧扣联动，共同促进了贷款学生的正常还款行为，从而形成了良性的还款氛围和循环模式，保证0恶意违约。

Abstract： At present， the national student loan defaults occasionally happen， that cause adverse impact on the major measures of the student financial aid. Therefore， the performance of contract is an important content of the loan. Based on the practice of 0 malicious loan defaults in recent 9 years， the author continuously demonstrates the cycle of practice-summary-practice and puts forward a set of effective loan work management mechanism. Specific contents as follows： ① Pay special attention to the data verification and feedback before the loan and protect students' privacy and self-esteem. ② Do a good job of the interpretation during the loan and the reimbursement pep rally after the loan to inspire the student to perform the contract payments consciousness. ③ Promote the mental health and growth of the loans students to improve the repayment ability of the contract. ④ Promote the employment of the loans students to promote reimbursement practices. Many links are closely linkaged to jointly promote the normal repayment behavior of loans students so as to form the benign atmosphere and circulation pattern of the reimbursement and guarantee 0 malicious defaults.

关键词：助学贷款；履行合同；还款意识；还款能力；还款实践

Key words： student loan；performance of contract；reimbursement consciousness；reimbursement ability；reimbursement practices

中图分类号：G647 文献标识码：A 文章编号：1006-4311（2016）09-0160-03

0 引言

国家助学贷款是党中央、国务院利用金融手段完善我国普通高校资助政策体系，加大对普通高校贫困家庭學生资助力度所采取的一项重大措施，自2000年全面实行[1]。国家助学贷款是由政府主导、财政贴息、财政和高校共同给予银行一定风险补偿金，银行、教育行政部门与高校共同操作的专门帮助高校贫困家庭学生的银行贷款。借款学生不需要办理贷款担保或抵押，但需要承诺按期还款，并承担相关法律责任。借款学生通过学校向银行申请贷款，用于弥补在校期间各项费用不足，毕业后分期偿还。……