文档介绍：摘要随着教育事业的改革和发展,高等教育收费制越来越被认可。为了使每一位大学生不会因为经济困难而影响学业,国家不断大力推动助学贷款工作的发展。但是,%的助学贷款违约率,使大学生的信用面临严峻的考验。本文通过对我国助学贷款制度的概述,指出当前金融机构放款状况和高校学生贷款状况和还款状况,提出了高校学生不履行还款约定的原因,主要表现在我国目前信用体系不健全、贷款制度不完善、借款学生还款压力偏重和还款制度不合理等方面。通过对助学贷款现状的分析,提出商业银行解决学生还款问题的四项措施: ①建立完善的个人信用体系。②制定合理的贷款管理制度。借鉴格莱珉模式,制定适合商业银行的管理模式。③提供勤工助学岗位。具体指出勤工助学活动的岗位设置和勤工助学活动的工作内容。④对贷款学生进行现状追踪。通过对在校学生的学****情况追踪和对已毕业学生的工作情况追踪,实现与贷款学生随时保持联系。以上四项措施相互融合,是我国商业银行降低助学贷款违约率的有效途径。为了更好的作好助学贷款工作,建立就学保险制度和成立教育银行是有效补充方式。建立就学保险制度,是分担助学贷款风险的新方法。成立政策性的教育银行,不以盈利为主要目的,突出助学贷款的长期性和利率的优惠性,弱化各种限制条件,是解决商业银行助学贷款坏账风险的新途径。关键词:助学贷款,商业银行,违约率,格莱珉模式 Abstract With education inthereform and development ofhigher system WaS increasingly enable every one student would not be affected education,the state has vigorously promote the development of student loans. However,up %of student students’credit isup to a severe test. Based on our student loansystem outlined thatthe current financial situation of lending institutions and college student loanrepayment statusand situation,the credit system notperfect,the loansystem imperfect,the loanstudent funds pressure stresses and thefunds system unreasonable are themain reasons. Through theanalysis ofthestatus ofstudent mercial banks raised student loan repayment effective control offourmethods:i)to establish aperfect personal )the formulation ofreasonable loanmanagement Establish mercial bank management model with Grameen ) Work-Study Program provides activities oftheWork—Study Program and theWork-Study Program posts setup the content )status ofthe students intheschool situation right仃ack and graduate students have been thework oftracking,and loans ofstudents keep intouch atany foursteps and fusion is an effective way toreduce violations for mercial banks. To beRer for student ofschool education bank and the establishment oftheinsurance system is