China Bank's "national student loan" refers to the credit loan that students from poor families in colleges and universities apply to financial institutions through their colleges and universities to pay tuition and accommodation fees during their studies. 1. Loan target: The borrowers of the national student loan are full-time undergraduates (including students from higher vocational colleges), postgraduates and students with second bachelor's degrees with financial difficulties. Second, the borrower's conditions: students applying for national student loans should meet the following conditions: (1) have China nationality and hold Chinese identity cards; (2) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians); (3) Honest and trustworthy, law-abiding, no illegal behavior; (4) Being able to complete their studies normally; (5) Due to the family's financial difficulties, the funds that can be raised are not enough to pay for their tuition and accommodation during their study at school. 3. Loan application: Both the university and the handling bank are responsible for consulting the national student loan business. During the validity of the agreement, students can apply for national student loans. In principle, the national student loan business takes the form of one-time application and loan contract signed by students at school and loan issued by the handling bank in different academic years; Students who apply for loans apply to our colleges and universities within the specified time, receive the "Application for National Student Loan" and other related materials, fill them out truthfully and completely, and provide relevant certification materials. Colleges and universities can handle national student loans for students who apply for loans in batches. 4. Submission materials: Students applying for national student loans need to submit the following materials: (1) Application for national student loans; (2) Copy of my student ID card and resident ID card/household registration book (minors must provide valid identity certificate of legal guardian and a written statement agreeing to apply for a loan); (3) Questionnaire survey of college students and families verified by the township or street civil affairs departments. As there are some differences in different regions, please consult the local institutions in detail when applying for loans.

The above contents are for your reference. Please refer to the actual business regulations.

What is the campus loan in China?

1. What is the campus loan in China? Campus loan refers to the behavior of students borrowing money through various lending platforms. Strictly speaking, campus loans can be divided into five categories: (1) e-commerce platforms with e-commerce background-credit services provided by traditional e-commerce platforms such as Taobao and JD.COM, such as ants borrowing flowers and JD.COM campus white bars; (2) Consumer finance companies-such as interesting staging and arbitrary staging. , some also offer a lower withdrawal amount; (3)P2P loan platform (online loan platform), which is used to help college students start businesses, such as famous school loans. Due to national regulatory requirements, most formal online lending platforms, including prestigious school loans, have suspended campus loan business; (4) Offline private lending-private lending institutions and lenders, commonly known as. There are usually some problems, such as false propaganda, offline signing, illegal intermediary, charging ultra-high rates and violent collection. Victims usually suffer huge property losses and even threaten their own safety; (5) Banking institutions-campus products provided by banks for college students, such as "lightning loan for college students" of China Merchants Bank, "Golden Bee Campus Express loan" of China Construction Bank and "Learning E loan" of Qingdao Bank. Second, the harm of campus loans Campus loans are actually campus online loans, which refers to the behavior of college students borrowing money from some online lending platforms. There are four main types of online loans, e-commerce platforms with e-commerce background, consumer finance companies, P2P lending platforms (online lending platforms) and offline private lending. Among them, online loans have always been the main loan channel for college students. In 20 15, the Credit Management Research Center of Renmin University of China conducted a survey of nearly 50,000 college students in 252 universities across the country, and wrote the Survey Report on College Students' Credit Cognition. Among them, the survey shows that 8.77% of college students will choose to use loans to obtain funds in order to make up for the lack of funds, of which online loans account for 50%. At the time of the rise of online loans, the exposure of college students jumping off buildings and naked loans followed, making the other side of online loans gradually surface. Let more people see the hidden dangers of campus loans. In fact, many college students have actually fallen into the "trap" of online lending when they come into contact with loans. Campus loans use low-interest and convenient loans to attract college students to be deceived. Because some college students are vain about material things, some bad habits or the expenses provided by their parents can't meet their needs, which is the reason why students turn to campus loans to obtain funds. In this way, it is easy for lenders to use ""to threaten students' repayment, or their deposits, collateral, etc. It may even lead to excessive consumption and "rolling interest" because some students lack self-control. Serious may bring life-threatening to students. Now everyone has a certain understanding of what campus loans are, right? Campus loan is similar to an adult applying for a loan from a bank, except that there are almost no other conditions for applying for a loan. The only requirement is that students are at school and have close interests. Due to a series of huge social hazards caused by campus loans, many departments of the state have jointly rectified campus loans, and formal lending platforms, such as Alipay, have officially stopped the cash loan business.

What is a college student loan?

There are generally two kinds of student loans commonly used by college students: national student loans and student credit student loans. The national student loan is a bank loan led by the government, subsidized by the government, and operated by banks, education administrative departments and universities to help poor students in colleges and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Student-origin credit student loan refers to the student loan issued by China Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school. The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit student loan is an important part of national student loan.

What about the loan from college students?

College students applying for student-origin credit student loans must meet the following conditions:

(1) A natural person with full capacity for civil conduct.

(2) Have a permanent residence ID card and a detailed address of the school and its department.

(3) Having the student ID card, school registration certificate and other relevant certificates issued by the school; Proof of tuition, living expenses and other related learning expenses required by students during their study; Loan application form or relevant certificates approved by the introducer.

(4) Students who meet the requirements of the loan bank and their moral performance prove that there is no bad credit behavior.

(5) Other conditions stipulated by the lending bank.

National student loan application process: student application → school preliminary examination → bank approval → both parties sign a contract → bank issues a loan → repay the loan after graduation.

Note: Banks do not directly accept students' loan applications. Students who apply for loans must apply for loans to the designated department of their school within 10 days before and after the start of the new school year, and receive and truthfully fill out the Application Form for National Student Loan, the Commitment Letter for Applying for National Student Loan and other related materials.

Let's stop here for the introduction of what college student loans mean.