本文分析了国家助学贷款违约率高的原因,有针对性地提出了解决对策与措施:抓好贫困生的就业问题,提高贫困生就业质量;加强大学生诚信教育与法制观念教育,增强还贷意识;加强贷后管理,完善风险防范机制;拓宽还贷渠道,普及网络支付手段。 This paper analyzes the reasons for the high default rate of student loans in China, and puts forward some countermeasures and measures to solve the problems: to do a good job in the employment of poor students and improve the quality of employment for poor students; to strengthen the education of honesty and credit concept and enhance the repayment of loans Awareness; strengthen post-lending management, improve risk prevention mechanism; widen the repayment channel and popularize the means of network payment.