学贷险是近几年才出现的新型保险产品,主要有国家助学贷款信用保险、生源地国家助学贷款保证保险等形式,一般由助学贷款的经办银行向保险公司投保,在借款学生不能按期履行还款义务时,由保险公司代其向银行还款并负责追偿追欠工作。随着国家助学贷款及其他有关助学措施的力度不断增大,学贷险也应该不断发展完善,发挥更积极的作用。 Xuexue insurance is a new type of insurance product that has emerged in recent years mainly in the form of national student loan credit insurance and student loan guarantee insurance of student source. Generally speaking, When the student can not fulfill the repayment obligation on schedule, the insurance company repay the bank on his behalf and be responsible for recovering the owed work. With the continuous increase of the national student loans and other relevant student aid measures, the student loan insurance should also continue to develop and improve and play a more active role.