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完善并推进生源地信用助学贷款是国家保障高等教育经费投入的重要政策指引。通过对宁夏部分高校大学生的问卷调查和群体访谈,从学生助学贷款的现状、学生助学贷款的需求、学生使用助学贷款的预期用途三个方面进行调查,结果发现,助学贷款在宁夏地区具有广阔的市场和远大的发展前景,但目前市场上的贷款类型较少,而且已有的贷款模式也存在诸多弊端。
Perfecting and promoting student loans for student loans is an important policy guideline for the state to guarantee the funding for higher education. Through questionnaire survey and group interviews with college students in some universities in Ningxia, this paper investigates the status quo of students’ student loans, the demand for students’ student loans, and the expected use of students’ loans. The results show that student loans in Ningxia The region has a vast market and lofty prospects for development. However, there are fewer types of loans in the market at present, and the existing loan models have many drawbacks.