At present, the national student loan defaults occasionally happen, that cause adverse impact on the major measures of the student financial aid. Therefore, the performance of contract is an important content of the loan. Based on the practice of 0 malicious loan defaults in recent 9 years, the author continuously demonstrates the cycle of practice-summary-practice and puts forward a set of effective loan work management mechanism. Specific contents as follows: ① Pay special attention to the data verification and feedback before the loan and protect students' privacy and self-esteem. ② Do a good job of the interpretation during the loan and the reimbursement pep rally after the loan to inspire the student to perform the contract payments consciousness. ③ Promote the mental health and growth of the loans students to improve the repayment ability of the contract. ④ Promote the employment of the loans students to promote reimbursement practices. Many links are closely linkaged to jointly promote the normal repayment behavior of loans students so as to form the benign atmosphere and circulation pattern of the reimbursement and guarantee 0 malicious defaults.%当前国家助学贷款违约现象时有发生，对于该助学助困的重大措施造成了不良的影响。因此，保证合同履行就成了贷款重要内容。笔者根据连续9年0恶意贷款违约率的实践，持续进行实践-理论总结-实践的循环论证，提出了一套有效的贷款工作管理机制。具体内容如下：①亲力抓好贷款的贷前资料审核和反馈，保护好学生的隐私和自尊心；②做好贷中合同解读和贷后还款动员会，启发学生履行合同的还款意识；③促进贷款学生的心理健康和成长成才，提高履行合同的还款能力；④促进贷款学生的就业，以就业促进还款实践。多环节紧扣联动，共同促进了贷款学生的正常还款行为，从而形成了良性的还款氛围和循环模式，保证0恶意违约。
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