1. If the online mode is adopted, it shall be approved by the bank first and then by the university.

2. After receiving the student's application, the handling bank will review the compliance and completeness of the materials submitted by the students and the student's credit information according to the requirements of the loan policy, and complete the loan approval within 15 working days after the application materials and supporting materials are complete. If the student's application information is wrong or the submitted materials are wrong or omitted, it shall be returned to the student for correction or supplement. The handling bank has the right to approve the loan and submit it to the undertaking institution of the university.

3, colleges and universities to deal with the students' family financial difficulties and the authenticity of the registration. At the same time, according to the amount of tuition and accommodation required by students, the loan amount applied for will be reviewed and adjusted. After receiving the application for student loan approved by the bank, the undertaking institution of colleges and universities should pass the Bank of China Easy Business within 20 working days. The national student loan system has been audited. Colleges and universities can complete the loan review in batches.

4. After being approved by the handling bank and the university undertaking institution respectively, both parties organize students to sign loan contracts in personal mobile banking, and enter the loan process after the contract is signed. Students can check the signed loan contract at the personal mobile banking terminal. After signing a loan contract with a personal mobile bank, the handling bank shall prepare a student list page, and then submit it to the organizer of the university for seal, and the sealed student list page shall be filed as required. If the university needs to keep the loan contract, the handling bank should print the loan contract signed by the mobile banking terminal and submit it to the university organizer.

Colleges and universities can inform their parents or other legal guardians of the loan information of the borrowing students in time by means of e-mail, SMS, telephone, WeChat and registered letter.

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

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.