国家开发银行评审三局副局长晁兵8日在教育部举行的新闻通气会上说，助学贷款业务经历了“从无到有，从点到面，从弱到强”的三个发展阶段。第一阶段是2005年，开发银行主动介入河南省的国家助学贷款业务，一举扭转了助学贷款的停滞局面。第二阶段是2006年至2010年，高校助学贷款陆续在山西、青海等地推广，生源地助学贷款在全国推开。2007年，在教育部、财政部、银监会等部门的指导下，开发银行开发了学生可在户籍所在地申请办理的生源地信用助学贷款业务，在甘肃等5省试点。2008年助学贷款信息管理系统正式上线，生源地助学贷款在全国推开。第三阶段是从2011年开始，开发银行会同全国学生资助管理中心将工作重点放在提升服务质量，加强贷后管理，完善业务流程，使助学贷款业务管理迈上新台阶。

The state development bank review three innings, deputy director of the ChaoBing 8 in the ministry of education said at a news ventilation，Student loan business experience“From scratch，From point to surface，From weak to strong”Of the three stages of development。The first stage is 2005 years，Development bank of henan province of active intervention national student loan business，Every turn the student loans of stagnation。The second phase is 2006 to 2010 years，University student loans are in shanxi、Qinghai promotion，Students in the national push to student loans。2007 years，In the ministry of education、The Treasury、Under the guidance of the banking regulatory commission (CBRC) and other departments，Development bank development in the students can apply for the student of census register seat to credit student loan business，In gansu province, and five pilot。2008 student loan information management system officially online，Students in the national push to student loans。The third phase began in 2011，Development bank of China in conjunction with the national student financial assistance management center will focus on increasing the service quality，Strengthen credit management，Perfect business process，That student loan business management to step on to a new stage。

　　据悉，2011年底，国家开发银行已累计发放助学贷款达到300亿元，累计支持家庭经济困难学生超过560万人次，覆盖全国25个省（区、市）、1695个县（区）、2546所高校。

It is reported，By the end of 2011，The state development bank already accumulative total extend loans to 30 billion yuan，Accumulative total support family economic difficulties students more than 5.6 million people，Cover the country 25 provinces（area、city）、1695 counties（area）、2546 university。

　　针对今年的国家助学贷款发放工作，国家开发银行已联合各省资助中心制定助学贷款工作预案，对当地助学贷款需求进行了摸底。同时推广预申请模式，引导学生使用学生在线系统提交申请，减轻现场办理工作量，确保受理工作平稳高效开展。

For this year's national student loans，The state development bank has funded jointly provinces for student loans work plan for the center，On the local student loans and needs of a baseline。At the same time promoting the application mode，Guide the student to use online students to submit your application system，To transact reduce workload，Ensure that accepts the work stable and efficient development。

　　针对近年来出现的国家助学贷款“应还不还”的现象，全国学生资助管理中心主任张光明表示今后将加强贷后管理工作。通过对在校学生开展诚信教育、组织贷款学生在毕业时办理还款确认手续、提醒借款人按时还款付息以及公布全国各地区和高校还款情况等方式，确保助学贷款工作健康有序发展。

According to recent national student loan“Should not also”phenomenon，The national student financial assistance management center director in that will strengthen credit cr-sludge sedimentation management work。Through to the students of credibility education、Organization loans when graduate students in for reimbursement confirmation procedures、Remind the borrower on time reimbursement servicing and national regions and university announced reimbursement means such as situation，Ensure the healthy and orderly development of the student loans work。

　　“我们将通过贷款预申请、电子承诺书、学生账户实时查询、贷款催收记录管理等100多项新增服务功能，不断优化完善助学贷款系统。”晁兵说。

“We will through the loan the application、Electronic commitment、Real-time inquires the student accounts、Loan records management, collection, with more than 100 new service functions，Continuously optimizing student loan system。”ChaoBing said。