Research on the causes and Countermeasures of the student helping loan default behavior

The national student loan for poor college students to complete their studies,promoting fair education plays a big role,but our country in the implementation of the national student loan policy process,because some students' ability to repay is low,willingness to pay is poor,the lack of social credit loan system design,with the reason of environment is poor,in case of a student loan default behavior,loan default rate,increase the government,college and bank management cost,which restricts the sustainable development of student loan. To solve these problems,we should improve the higher education quality,enhance students' awareness of integrity,the establishment of a so- cial credit system,perfect the loan system design,improve the funding system and adopt effective measures.