Abstract: As a measure to reform the system of higher education fees, college students loaning policies had no doubt a tremendous role for students from poor families to solve the economic difficulties. However, the implementation of this system has exposed some problems which should not arise. This paper mainly analyses the problems from banks such as high thresholds, lack of investigation, cumbersome procedures, loan repayment of short duration and so on, as well as colleges and universities' "deviation" phenomenon such as indifferent recognition the unclear responsibility, lower efficiency of coordination, etc. during the implementation of loan policy. The arising reasons for the deviation in the course of the implementation of policies was analyzed, measures and countermeasures for perfecting college students loan system and improving the intensity of the execution was then psesented.