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What are the countermeasures and ideas to improve the student loan system in China?
1. At present, in this junior college education stage, a subsidy policy system has been established, which is mainly based on national scholarships and student-origin loans, supplemented by on-campus scholarships, work-study programs, difficult subsidies, tuition fee remission, "green channels" and tuition compensation loans. In the postgraduate education stage, national scholarships, academic scholarships,

Including national grants, national student loans, "three AIDS" (teaching assistants, research assistants and management assistants), tuition fee reduction and exemption, special difficulties subsidies and "green channels". The central government invests about 22.3 billion yuan in financial aid for college students every year, benefiting about 6.6 million students.

2, the national student loan funding standards and funding ratio adjustment and improvement measures include:

The first is to adjust the national student loan funding standards. Considering the adjustment of students' fees and the comprehensive fees of graduate students, the national subsidy standard for student loans is adjusted from the current no more than 6,000 yuan per person per year to E799BE5BAA6E79E98193E58685A5EB93133337626236. The sum of tuition and accommodation fees for full-time undergraduates is no more than 8,000 yuan per person per year, and that for full-time graduate students is no more than 6,546. In the financial aid policy system for college students, the national student loan is mainly to help students from poor families solve the problems of tuition and accommodation during their school days. The above loan amount can basically meet the needs of students from poor families for tuition and accommodation.

The second is to further refine the proportion of national student loans. Full-time college students (including second bachelor's degree and students in higher vocational colleges) should have the national average subsidy ratio equivalent to the national student loan in that year, and the national student loan ratio in all regions and universities should be equivalent to the national student loan ratio in that year in their own regions (universities); The proportion of national student loans for full-time graduate students is determined according to the coverage of scholarship policies such as national scholarships and academic scholarships and the situation of students with financial difficulties. At present, the national average subsidy ratio of college students' state grants is 20%, and the specific subsidy ratio of each province is determined according to the distribution of students with financial difficulties, including: 13%- 17% in the eastern region, 2 1%-22% in the central region and 27%-29% in the western region. The above proportion can basically objectively reflect the proportion demand of national student loans for undergraduates in different regions. The cost of study and living of graduate students is relatively high, and there are more channels to obtain grants than junior college students. Therefore, the proportion of national student loans for graduate students is not stipulated, but determined by various regions and schools according to the actual situation.