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National Student Loan is a national aid measure which is to improve the aid sysytem by using financial means in the condition of socialist market economy and to reinforce the power toward the students from poor family in general universities. It is led by the Government, throught financial discount, gathering financial agencies and universities to give banks a certain risk compensation, co-operation by banking, education administration and the Universities to help poor college students to obtain bank loans.
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With the expanding scale of higher education, the studens from poor rural families and in urban laid-off workers fanmilies are increasing, and the college tuition has also soared in recent years. Helping poor students' paying for the tuition has become a urgent problem, however, the student loan is different from the general loan which it is no need for the mortgage or guarantees, so greatly the credit risk is increased that it makes banks reduce the enthusiasm for this. It seriously impedes the development of student loans. So, how to improve our student loan credit system and to control the credit risk of lending process,and to speed up the construction of social credit system in China, has become the common concerns of government, society and schools, and other aspects at present. In connection with the difficulties encountered in the process, this paper describes the constraints of the five factors of student loan, to overcome the constraints of the five measures and to accelerate the pace of student loans to solve urgent problem of college students from the familiesto with financial difficulties to enter colleges and universities.

National Student Loan is a national of the socialist market economy, the use of financial means to improve the system of general university funding policy, increase funding college students from poor families to take an effort funded by the adopted measures. Is led by the Government, financial discount, financial and universities together to give banks a certain risk compensation, banking, education co-operation between the Administration and the University designed to help poor college students bank loans. With the expanding higher education, from rural poor families poor families in urban laid-off workers increasing number of students, college tuition has also soared in recent years. Poverty tuition has become a priority, however, is different from the general loan student loans, no need for the fire mortgage loan guarantees, thus greatly increasing the credit risk, making the bank reduced the enthusiasm for this. A serious impediment to the development of student loans. So, how to improve our student loan credit system to control the credit risk of lending the process to speed up the construction of social credit system in China, has become the current government, society and schools, and other aspects of common concern. For the implementation of the difficulties encountered in the process, This paper describes the constraints of the five factors of student loan, to overcome the constraints of the five measures. Carried out in our colleges and universities to accelerate the pace of student loans for families with financial difficulties to solve urgent needs of college students

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