The dissertation reckons that the postulate of recovery institution should include wholesome organizational structure, self-contained management information system, effective risk control, collaboration and enterprising of the staff as well as the support of government. 本文认为,回收机构有效回收学生贷款需要满足的基本条件是,健全的组织结构、完备的管理信息系统、有效的风险控制和员工的协作进取以及政府的支持。