论文着重分析了这些组织在金融支持体系中发挥的作用，以及各自的运作方式。
The paper mainly analyzes the role of these organizations in the financing system and their mode of operation.
降低助学贷款金融风险，可通过建立个人信用体系，提高违约成本，修改还款方式、延长还款期限，以及加大政策支持力度四个途径来实现。
The risk can be reduced through four ways, namely establishing personal credit system, increasing default cost, revising repayment methods and strengthening policy support.
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