In order to solve the problem of credit stinting in the loan operation of commercial banks in our country , we should borrow the experience of the american government to build the second class market , etc . we should jump out of the thinking inertia only in the risk to find the countermeasure , and encourage the lenders to lend according to the bank interest combined with guarantee measures 要解决这一问题，应借鉴美国联邦政府运用担保、建立学生贷款二级市场和支付特别津贴等财政性激励手段，解决放贷资金风险性大、流动性差和获利困难等问题的经验，跳出只在“风险性”上寻找对策的思维定势，围绕贷方利率并结合担保等手段激励贷方放贷。
The ess of the usa include two of contents : one is the guaranteeing of school , namely allocate the large quantity funds to support the development of the school ; the other is the fedral government give financial help not only to the students who are good at both character and study while are poor in family circumstances , but also to the various minority in the community for their education 美国联邦政府实行的教育保障制度主要包括两个方面的内容：一是政府对学校的保障，即以大量政府拨款支持学校的建设；二是政府对家境贫困但品学兼优的学生，以及社会中的各类弱势群体中的人员的教育所给予的财政援助。
