With the lack of social trust and related laws, GSSL institution cannot fulfill its organized target in its practice of 8 years.There are many contradictories between policy and practice.

• 摘要国家助学贷款制度实施近8年来的实践表明，在社会信用缺失和相关法律制度不健全的情况下，风险补偿机制的不科学是构成国家助学贷款可持续发展的瓶颈。