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民族高校和生源地的助学贷款代偿模式单一的现象普遍存在,相对于经济发达省份,贫困省份除政府对下基层服务满期限学生进行补偿之外,并无其他途径对学生进行补偿。而助学贷款违约率居高不下也反映了当前代偿模式单一所带来的弊端,因此,开展多种渠道帮助毕业学生进行助学贷款的偿还有利于改善大学生就业环境,有利于促进社会稳定、健康、有序的发展。并且对于国家开发银行的贷款回收工作,能够带来显著的效益,有利于资金的正常、有序的运转。
There is no other way to compensate students in poor provinces except the government which compensates the students who have reached the end of grassroots service as compared with the economically developed provinces. However, the high default rate of student loans also reflects the drawbacks caused by the current single mode of compensation. Therefore, carrying out various channels to help graduating students to repay their loans helps to improve the employment environment for college students and promote social stability Healthy and orderly development. And for the loan recovery work of China Development Bank, can bring significant benefits, is conducive to the normal and orderly operation of funds.