【Key words】 floating population； social security system arrangement； urban and rural areas； Shanghai；
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Making use of the credibility system of the social security fund to grant loans for the poor students, can reduce the risk of the student loans by system arrangement.
利用社保基金信用体系，向贫困大学生提供助学贷款，能够从制度上遏制助学贷款的风险。
Social assistance is the most ancient system arrangement in the history of social security, it is also an integral part of the social security systems in different countries in the world.
社会救助是社会保障史上最为久远的制度安排，也是世界各国社会保障体系中不可或缺的一部分。
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