【摘要】 国家助学贷款属信用贷款 ,在约束机制、保障机制尚不健全以及学生信用意识相对淡漠情形下 ,实施国家助学贷款势必存在一定的信用风险。本文分析了国家助学贷款风险存在的原因 ,以及风险规避原则 ,并就如何采取有效措施来规避国家助学贷款的风险作了探讨更多还原

【Abstract】 The national student loan is a kind of credit loan. Because of some factors such as: the unhealthiness of restriction system and insurances mechanism, the lack of credit awareness among the students, there must be risks in providing loans of stipend. The essay analyzes the reasons and discusses the countermeasures in how to avoid the risks in national student loan.更多还原