国家助学贷款实施近7年来,可谓一路风雨相伴。面对这项“德政工程”,大多数银行视其为“烫手山芋”,大学生亦“想说爱你不容易”。市场风险大、无利可图、大学生诚信差、还贷违约率高等等说法几乎成了银行的“共识”,至今一些地方助学贷款工作仍然举步维艰。然而在经济欠发达的贵州省,放贷工作和还贷工作早已步入良性循环,还贷比率高居全国首位。截至2005年底,大学生人数违约率和金额违约率仅为3.17％和2．6％,违约率远远低于全国乃至国际上15％的水平,且大多数高校基本实现“零 The implementation of the national student loans nearly seven years, can be described as wind and rain accompanied. In the face of this “moral project”, most banks regard it as a “hot potato” and university students also “want to say that it is not easy for you to love you.” The market risk is huge, unprofitable, college students poor credit, loan default rate is high and so on has become a bank’s “consensus”, so far in some places student loan work is still struggling. However, in economically underdeveloped Guizhou Province, lending and repayments have already entered a virtuous circle and the loan-repayment ratio ranks first in the country. By the end of 2005, the default rate and the default rate of the number of undergraduates were only 3.17% and 2.6%, the default rate was far below the national and even international level of 15%, and most colleges and universities basically realized "zero