在国家助学贷款体系中,生源地助学贷款成为国家关注重点而得到大力发展。笔者分析发现生源地助学贷款发展过程中面临的问题包括政府贴息等相关政策未得到严格落实、控制信贷风险的基础机制缺失、信用社负责助学贷款的单独审批可能存在道德风险等。由此笔者在文中提出相应对策,希望对生源地助学贷款的发展有所帮助。 In the national student loan system, student loans have become the focus of national attention and have been vigorously developed. The author finds that the problems faced in the process of student loans origination include the implementation of relevant policies such as government subsidy and other policies are not strictly implemented, the lack of basic mechanisms to control credit risk and the moral hazard may exist for individual approval of credit cooperatives for student loans. Therefore, the author puts forward corresponding countermeasures in the article, hoping to help the development of student loans.