On the Mechanism Deficiency of and Solution on the Student Loan——taking the student origin-based loan as an example

As an important part of the student loan systems,the origin-based loan plays an important role in solving poor students' difficulties and realizing education fairness.However,there are many problems such as the subject loss,system defects and the lack of credit etc.,which have become a serious obstacle.In order to solve such problems,the article puts forward solutions that include establishing the efficient government-bank cooperation mechanism,making the risk management system more perfect,and strengthening credit construction system and so on.