However,with the expansion of scope and advent of repayment period,problems arise, the greatest being financial risk,which has seriously hindered the continual implementation of the policy.

• 但随着实施范围的扩大和还款期的到来,助学贷款存在的问题也不断暴露出来,其中以贷款的金融风险最为突出,它已经严重阻碍了现行国家助学贷款政策的继续实施。