首先，本文对高等学校中存在的国家助学贷款风险进行分析。

First, this article has analyzed the existence of the higher state educational loans risk.

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另外，还对国家助学贷款信用行为的实现及高等学校在国家助学贷款信用行为实现过程中的主要职能等问题进行了分析与探讨。

Meanwhile, this thesis analyses and discusses such issues as the realization of credit behaviour of state student loan and the main function of higher institutions in the process of the realization.

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