摘要:随着我国教育事业的不断发展，高校助学贷款已成为高等教育成本分担的形式。众所周知，高校助学贷款政策制定的目的是帮助家庭经济贫困的学生完成学业，并推动我国科教兴国战略的发展。

　　　但是，这样利国利民的政策，却在实施中出现了诸多问题，包括政府制度设计的缺陷，高校的声誉风险，银行面临的回收风险，学生的信用危机等。针对目前高校助学贷款还款风险颇高的情况，本文论述了我国高校助学贷款的现状，并分析其实施中导致还贷难的原因，本文认为只有通过政府的职能确立，明确高校和银行的职责，追究贷款学生及其家庭的违约责任，加强人的诚信教育才能保障我国高校助学贷款体系健康、稳定、快速发展。

关键词：助学贷款，资金，违约风险，责任

Abstract:With the development of China's education career，university student loans has become the form of higher education cost-sharing . As everyone knows, college student loans policy is designed to help the poor family students to complete their studies, and promote the development of the strategy of rejuvenating the country through science and education

However, such policy which benefits the nation and people appeared many problems in the implementation, including the defects of the governmental system designed, the risk of university reputation, the bank recovery risk , the students' credit crisis and so on. In view of the present university student loan repayment high-risk situation, this paper discusses the current situation of university student loans in China, and analyzes its implementation in the causes of the difficulty of the loan payments. This paper holds that only through the function of the government established, defining the responsibilities of the bank and university, investigating students and their families for loans of default responsibility and strengthening the integrity education can ensure university student loan system healthy, stable and rapid development in our country.

Key Words：Student loans，Funds，Default risk, Responsibility

　　　高校助学贷款在实施的过程中，确保了莘莘学子的大学梦，也提高了国民的素养，是我国社会主义制度优越性的体现。现在由于大学生还贷情况不佳，贷款风险凸显，部分高校的贷款已经暂停，由助学制度的缺陷带来的问题确实也引人深思，但我们应该想到该项制度的实施时间不长，很多制度和存在的风险亟待我们去完善，如果只是消极的回应，或是一概的否定了助学贷款制度的作用，这会严重制约了高校助学贷款的健康和快速发展，所以面对这个问题，我们都应积极分析并找出问题存在的原因，提出建设性的方法，让这项惠民政策走得越来越好。