(1) Students applying for student-origin credit student loans must meet the following conditions:

1, with People's Republic of China (PRC) (PRC) nationality;

2. Honest and trustworthy, law-abiding;

3. Freshmen, postgraduates and students with a second bachelor's degree who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools and junior colleges in the central and regional areas that have been approved to set up and implement higher education according to the relevant provisions of the state, and have obtained a true, legal and effective admission notice;

4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the same county (city, district);

The family is in financial difficulties, and the income they can get is not enough to pay for the tuition and accommodation needed to complete their studies at school.

(2) Students' families applying for student-origin credit student loans shall meet the following conditions:

1, no bad credit record;

2, family economic difficulties should generally meet one of the following basic characteristics:

① Poor households in rural and pastoral areas, low-income households, and poor households who set up a file;

② Families of orphans and disabled people;

(3) Suffering from natural and man-made disasters, causing heavy losses and unable to afford the students' expenses;

④ Family members suffer from major diseases;

⑤ The creator of the main family income loses the ability to work for some reason;

⑥ Single parent families with no stable income;

⑦ Poor families in old, young, marginal, poor and remote rural and pastoral areas;

(8) Families where one or both parents are unemployed;

Pet-name ruby other poor families.

Loan purposes: Student-origin credit student loans are used to borrow students' tuition and accommodation fees in principle. When the loan amount is higher than the actual demand for tuition and accommodation, the rest can be used for student living expenses. The national student loan is applied, approved and issued once a year.

Second, go through the declaration procedures.

(1) loan application

The borrower shall apply for a loan to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where his domicile is located (hereinafter referred to as the "County Financial Assistance Center"), fill in the loan application form and provide the following materials:

1. Original and photocopy of the borrower's and co-borrower's household registration book;

2. The original and photocopy of the ID card (or valid identity certificate) of the borrowing student and co-borrower;

3. Student identification. Freshmen with university admission notice and its copy; Students should show their student ID card and the proof of the borrower's source of life issued by the borrower's university.

(ii) Sign the contract

① The local financial aid center examines the application materials →→→→→→→ The local financial aid center instructs the borrowing students to open a personal account in the handling bank →→→→→→→→ The local financial aid center issues the receipt of the student credit loan contract.

(3) Receiving the contract

① Borrowing students bring the contract receipt to the school → ② The school goes through the formalities according to the requirements of the contract receipt → ③ The students themselves send the contract receipt back to the student's county-level financial aid center → ④ The local financial aid center prepares a summary table and submits it to the provincial student financial aid management center → ⑤ The provincial financial aid management center submits it to the handling bank for review.

(4) Loan issuance

① The handling bank transfers the loan funds to the borrower's personal account→→→→ ② The loan funds are transferred from the personal account to the tuition account of the borrower's school.

(V) Contract change

After the signing of the loan contract, if the borrower needs to change the personal account name or account number, or the borrower cannot repay the loan according to the repayment plan agreed in the loan contract due to reasons such as continuing his studies or dropping out of school, the contract can be changed upon the borrower's own application and the approval of the county-level funding center. In principle, the adjustment of the repayment plan can only be carried out within the loan period agreed in the contract and cannot be extended.

Extended data

Special reminder

(a) the borrower should carefully read the text of the contract and earnestly fulfill the obligations of the borrower.

(two) the relevant national policies are adjusted, according to the new policy.

(3) China Development Bank and capital centers at all levels have the right to publish and use the borrower's personal information and the borrower's loan default information in accordance with relevant regulations without the consent of the borrower;

(4) The borrower's personal information and the borrower's loan default information will be entered into the personal credit information system of the People's Bank of China, and the bad credit record will have a far-reaching impact on the personal life and work in the future.

(five) after the borrower repays the loan, it should check the accounts with the student financial assistance management department of the Municipal Education Bureau and the handling bank in time to prevent problems.

Baidu Encyclopedia-Student Source Credit Student Loan