Firstly the authors analyze the current condition in student loan post-payment and the harm to the bank,then according to the assumption of fully credit system,by establishing the game model of bank and borrower,the authors present the solution for the student loan post-payment and the optimal strategy for borrower and bank.

According to the related laws and regulations in China, the authors point out that the implementation of the system of borrower overdue penalty is a piracy behavior in the library, which has no legal gist and surpasses related stipulations.