Our government carried out SELS in 2000;however, the plan faces great challenges since 2003, such as lower credit-standing and repayment rate.More and more business bank reduces the scale of SELS.

• 我国于2000年开始正式推行助学贷款，到2003年，因为借款学生诚信度不高，还息率、还贷率低，银行开始大面积缩减贷款，我国大学生助学贷款陷入困境。