摘要：我国的大学生助学贷款自1999年试行以来，己经有15年的历程，在缓解贫困大学生就学资金压力方面起到了一定的积极作用，但是由于大学生助学贷款属于无担保的信用贷款，使得大学生助学贷款在实施过程中凸现出很多问题。

　　　本文的主要研究内容：首先介绍了大学生助学贷款的概念、特征，及实施大学生助学贷款的意义；其次通过大量的文献阅读和者数据调查，指出目前大学生助学贷款在政府政策、贷款学生、各高校和银行四个主体中主要存在的问题；最后，针对大学生助学贷款中存在的问题提出合理的解决建议。

关键词： 大学生,助学贷款,问题,对策

ABSTRACT：China's national student loan pilot since 1999, has been 15 years of history, in alleviating the financial pressure on poor students studying has played a positive role, but because of college student loans are unsecured credit facility , making student Loan highlights many problems in the implementation process. 

　　　The main contents of this paper introduces the concept of college student loans, characteristics, and the significance of college student loans, followed by a lot of reading and literature survey data, noted that the current government policy in college student loans, student loans, all colleges and universities and banks four themes main problem. Finally, Student Loan Problems suggestions put forward a reasonable solution. 

Keywords: University Student   Loan   Problems   Countermeasures