请英语达人翻译，不要在线翻译的

纯手工翻译请求高分啊。

NationalStudentLoanisanationalaidmeasurewhichistoimprovetheaidsysytembyusingfinancialmeansintheconditionofsocialistmarketeconomyandtoreinforcethepowertowardthestudentsfrompoorfamilyingeneraluniversities.ItisledbytheGovernment,throughtfinancialdiscount,gatheringfinancialagenciesanduniversitiestogivebanksacertainriskcompensation,co-operationbybanking,educationadministrationandtheUniversitiestohelppoorcollegestudentstoobtainbankloans.

（未完，后面的正在翻译，稍等）

Withtheexpandingscaleofhighereducation,thestudensfrompoorruralfamiliesandinurbanlaid-offworkersfanmiliesareincreasing,andthecollegetuitionhasalsosoaredinrecentyears.Helpingpoorstudents'payingforthetuitionhasbecomeaurgentproblem,however,thestudentloanisdifferentfromthegeneralloanwhichitisnoneedforthemortgageorguarantees,sogreatlythecreditriskisincreasedthatitmakesbanksreducetheenthusiasmforthis.Itseriouslyimpedesthedevelopmentofstudentloans.So,howtoimproveourstudentloancreditsystemandtocontrolthecreditriskoflendingprocess,andtospeeduptheconstructionofsocialcreditsysteminChina,hasbecomethecommonconcernsofgovernment,societyandschools,andotheraspectsatpresent.Inconnectionwiththedifficultiesencounteredintheprocess,thispaperdescribestheconstraintsofthefivefactorsofstudentloan,toovercometheconstraintsofthefivemeasuresandtoacceleratethepaceofstudentloanstosolveurgentproblemofcollegestudentsfromthefamiliestowithfinancialdifficultiestoentercollegesanduniversities.