一、制约生源地助学贷款业务发展的主要原因(一)金融机构的盈利性与生源地助学贷款的社会效益性之间的矛盾生源地助学贷款属政策性贷款范畴,利率低,期限长,贷款的安全性难以把握,因此金融机构从自身的经济效益考虑,不愿发放生源地助学贷款。而生源地助学贷款的社会效益性则要求 I. Main Reasons for Restricting the Development of Student Loan Business from Source Areas (I) Conflicts between the Profitability of Financial Institutions and the Social Benefit of Student Loans Source of Student Loan Student loans are under the scope of policy loans with low interest rates and deadlines Long, the security of the loan is difficult to grasp, so financial institutions from their own economic considerations, are reluctant to release student loans. The social benefits of student loans are required