And its management and procedure are still not consummate. State student loan is the special individual consumption credit, and the risk in its operation is more difficult to measure and control.

• 目前，个人消费信贷在我国产生不久，有关的管理办法和具体操作手段还不严密也不完善，作为一种特殊的个人消费信贷产品的国家助学贷款，其业务中的风险更是难以度量和控制。