国家助学贷款是国家对高校贫困大学生实施的一项重大资助政策,但违约率的逐年攀升严重制约着国家助学贷款的发展,本文通过论述国家助学贷款发展的现状,分析违约率逐年攀升的原因,提出高校降低国家助学贷款违约率的一些防范措施。 The national student loan is a major subsidy policy for impoverished undergraduates in colleges and universities. However, the gradual increase of the default rate severely restricts the development of the national student loans. This article analyzes the status quo of the development of the national student loans and analyzes that the default rate rises year by year The author puts forward some preventive measures to reduce the default rate of national student loans in colleges and universities.