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美国助学贷款制度在规模、期限和利率、还款方式、担保及风险控制等方面具有灵活性的特点,对我国助学贷款以大力开展生源地助学贷款、建立有效的个人信用机制、贷款利率多元化、完善学生减免制度、扩大助学贷款供给方的范围和数量等几个方面具有一定的启示。
The American student loan system has the characteristics of flexibility in terms of scale, maturity and interest rate, repayment method, guarantee and risk control. It is necessary to vigorously carry out loan assistance for student loans in our country and establish an effective personal credit mechanism. Loans Interest rate diversification, improve the student relief system, to expand the scope and number of student loans to provide some inspiration.