国家助学贷款政策自1999年开始执行以来运行并不顺畅,实施效果并不理想,特别是在2003年国家助学贷款开始进入首批还贷高峰后,出现了全国借贷学生平均违约率接近20%的现象,远远超出银行所能承受的程度,这一年,高校被停发贷款成为全国性的普遍现象。为进一步推进这项工作的实施,2 The national student loan policy has not operated smoothly since its implementation in 1999, and its implementation effect is not satisfactory. Especially after the state loan for students started to enter the first peak of repayment in 2003, the average default rate of students borrowing in the country approached 20 % Of the phenomenon, far beyond the bank can afford to the extent this year, colleges and universities stopped lending became a national phenomenon. In order to further promote the implementation of this work, 2