中新网太原7月23日电（李新锁）截止6月底，山西大学生助学贷款当年到期还款1.17亿元，涉及2.4万毕业生，还贷率达79%。23日，山西省教育厅发布消息称，2011年，山西大学生助学贷款进入还款高峰期，显露出一些问题。2012年，山西在高校毕业生档案中建立《国家助学贷款诚信记录册》，记录学生贷款时间、金额、贷款余额等信息，以此提醒大学生及时还贷，以免给自己造成不良信用记录。

Beijing taiyuan, July 23 (Reuters)（LiXinSuo）By the end of June，Shanxi university students in student loans expire reimbursement 117 million yuan，Involving 24000 graduates，'s 30-year history of 79%。23，Shanxi provincial news release said，2011 years，Shanxi university students student loans into the reimbursement peak，Show some problems。2012 years，Shanxi in the college graduates establish archives《State educational loans credit record books》，Record time student loans、amount、Outstanding balance of the loans and other information，In time to remind students payments，Avoid to cause adverse credit records。

　　山西省教育厅学生资助管理中心负责人表示，和沿海经济发达地区相比，山西大学生还贷率不是最高的，主要原因在于部分贷款学生就业困难，工作缺乏稳定性，导致还款难。

Shanxi provincial the student financial assistance management center director said，And the coastal economic developed area compared，Shanxi's 30-year history students not of the highest，The main reason is that part of the loan students obtain employment difficult，Work lack of stability，Lead to reimbursement difficult。

　　据介绍，2011年，山西大学生进入还贷高峰期，大批学生助学贷款到期，由此给还款管理工作带来一定压力。截止2010年，山西共发放大学生助学贷款6.63亿，涉及14.1万人次。大学生提前还款率达60.67%。

According to introducing，2011 years，Shanxi college graduates enter the peak loan payments，A great number of students student loan expires，Thus to reimbursement management brings certain pressure。By the year 2010，Shanxi university students were issued 663 million student loans，Involving 141000 people。College students repayment rates in advance of 60.67%。

　　2009年以来，山西大学生助学贷款逐渐从高校发放，过渡到生源地发放。目前，山西大学生助学贷款基本以生源地发放为主，这主要是考虑方便考生就近贷款，降低学生还贷风险。

Since 2009，Shanxi university students from college student loans gradually extend，The transition to matriculate to extend。At present，Shanxi university students student loans to students to the basic issue to give priority to，This is mainly consider convenient candidates came near to the loan，Reduce risk students owing on the loan。

　　2011年6月起，针对大学生还贷高峰期来临的现实，山西省教育厅督促山西各高校每月上报学生还贷情况。

Starting in June 2011，The advent of the peak in the college students' loan reality，Shanxi provincial universities monthly report urged shanxi borrowed students。

　　从2012年3月开始，山西省教育厅多次讨论、修改《山西高校国家助学贷款贷后管理办法》，期望以此推动高校、银行、大学生等各方规范管理、理性还贷。

From began in March 2012，Shanxi provincial repeatedly discussed、modify《Shanxi university national student loans after management approach》，Expect to promote college、bank、College students all standard management、Rational borrowed。

　　此外，山西省教育厅还在2012届毕业生档案中建立《国家助学贷款学生诚信记录册》，详细记录学生贷款时间、贷款金额、是否有还贷行为、贷款余额等项目，以此提醒毕业生及时还贷。

In addition，Shanxi Province in the 2012 department of education graduates establish archives《State educational loans students credit record books》，The detailed record student loan time、Loan amount、Whether there is a borrowed behavior、Outstanding balance of the loans and other projects，In time to remind graduates payments。

　　据介绍，近年来，山西助学贷款管理规范，大学生还贷情况趋向平稳。2011年，由国家开发银行发放的到期助学贷款，九成得以顺利收回。2012年，山西大学生到期还款金额1.17亿元，涉及2.4万人。截止6月底，还款率已达79%。

According to introducing，In recent years，Shanxi student loan management regulations，College students' situation stable trend owing on the loan。2011 years，Issued by the state development bank, the expiration of student loans，Ninety percent recovered smoothly。2012 years，Shanxi university students expire reimbursement amount of 117 million yuan，Involving 24000 people。By the end of June，Repayment rates are up 79%。

　　山西省教育厅学生资助管理中心表示，目前，国家层面的银行个人诚信体系建设日趋完善，希望大学生按照贷款合同约定按期还款、还息，以免给自己造成不良信用记录，“已经按期还款的学生，须及时和高校联系确认还款时间、记录等事宜”。（完）

Shanxi provincial the student financial assistance management center said，At present，The national level of personal credit system construction bank gradually perfect，Hope college students contract in accordance with the loan repayment on schedule、Also interest，Avoid to cause adverse credit records，“Have on-time repayment of students，With universities and colleges shall be promptly contact confirm reimbursement time、Records and other matters”。（finish）