I. Conditions for applying for a loan
1. Full-time freshmen or undergraduates, postgraduates and second bachelors studying in colleges and universities who have been officially admitted by full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) and have obtained a true, legal and effective admission notice.
2. Students' pre-school household registration and borrowers' household registration are in the county (city, district).
3. As determined by the village committee (neighborhood committee), the income that students' families can get is not enough to pay the basic expenses needed to complete their studies during school.
4.*** The borrower shall meet the following conditions:
(1) In principle, it should be the father or mother of the borrowing student;
(2) If the parents of the borrowing students lose their ability to work or have capacity for civil conduct due to special circumstances such as disability or illness, other close relatives of the borrowing students can be used as * * * borrowers;
(3) If the borrower is an orphan, the borrower is another legal guardian, or a natural person with full civil capacity who voluntarily shares the repayment responsibility with the borrower.
(4)*** The borrower's household registration and the pre-school student's household registration are in the county (city, district);
(5) If * * * is not the borrower's parents, in principle, its age is over 25 years old and under 60 years old;
(6) The borrower who has not settled the student credit loan (or college student loan) of Development Bank cannot be the same borrower as other borrowers.
Students who meet one of the following conditions should be given priority:
(1) Rural households, poor households, and urban low-income households who set up files and set up cards;
(2) Families of orphans and disabled persons;
(3) Suffering from natural disasters, causing heavy losses and unable to afford the students' fees;
(4) Major family members suffer from serious diseases;
(5) The creator of the main income of the family loses the ability to work for some reason;
(6) Single-parent families with no stable income;
(7) economically disadvantaged families in old, young, marginal, poor and remote rural areas;
(8) Families in which one or both parents are unemployed.
In any of the following circumstances, it shall not be recognized as a student with financial difficulties in the family, and the loan application shall not be accepted:
(1) Families own cars, decorate luxury buildings, or own or use high-end communication tools;
(2) Long-term purchase or lease of computers with high configuration and high price (except for special majors);
(three) to buy luxury goods such as high-end entertainment appliances, high-end fashion, jewelry or high-end cosmetics;
(4) Eating in hotels frequently and traveling frequently on holidays;
(5) Renting a house off campus or frequenting commercial Internet cafes during school;
(six) other high consumption behavior or luxury consumption behavior;
(7) The annual family income can obviously provide students with tuition fees.
County-level student financial assistance management centers and colleges and universities will further verify the financial situation of students' families when they enter the receiving stage. Students with good family circumstances and the ability to pay tuition fees will apply for loans, and the approval of loans will be stopped. Colleges and universities will also severely deal with students' fraudulent loans in accordance with relevant school rules and regulations.
Second, the loan amount
According to the current national policy, the annual loan amount of full-time college students (including second bachelor's degree and higher vocational students) is not more than 8,000 yuan and not less than 1 ,000 yuan, and the annual loan amount of full-time graduate students is not more than 1 and not less than 1 ,000 yuan in 200 yuan, which is mainly used for tuition and accommodation.
Third, processing time.
1. Students who renew their loans (students who have obtained loans in previous years and continue to apply): July 25th-August 12 (except weekends).
2. New loan students (freshmen and students applying for loans for the first time): August1May-September 2 (except weekends).
Reminder: In order to avoid confusion and waiting in line for a long time, please renew students and new students to apply for loans at the specified time; Students who fail to renew their loans within the specified time due to special reasons can make up their loans from August 25th to September 2nd after explaining the situation to the county-level student financial assistance management center.
Fourth, the loan application process
1. Students renew their loans (students who obtained loans in previous years and continue to apply for loans)
(1) loan renewal statement: log in to the student credit loan information system of China Development Bank/submit my loan renewal statement, which will be reviewed by the school. If colleges and universities fail to complete the loan renewal statement before the on-site processing time due to special reasons, they can go to the county financial aid center for review.
(2) Online application: log in to the information system of student credit loan of China Development Bank/,fill in the application as required, and export and print the application form from the online system.
(3) Material preparation: 65,438+0 original application forms jointly signed by the borrower or * * * and the borrower, with no official seal;
(4) On-site handling: either the loan student or the borrower brings the original ID card and application form to the loan handling site. Sign the loan contract (in quadruplicate) after examination and approval, print the loan acceptance certificate (with "check code") and give it to the students.
2. New loans (students who have not obtained credit loans from their places of origin in previous years)
(1) Online application: log in to the information system of student credit loan of China Development Bank/,fill in the application form, export it from the system and print the application form.
(2) Material preparation:
① Successful pre-application: 1 original application form signed by the borrowing student himself; 1 Original and photocopy of the admission notice; 1 Original and photocopy of ID cards of loan students and borrowers, and original household registration book.
② Did not participate in the pre-application: the original application form signed by the borrowing student and stamped with the official seal of the village committee (neighborhood committee) 1 copy; 1 Original and photocopy of the admission notice (if the student ID card is lost, the school will issue the original certificate of the student's study instead); 1 Original and photocopy of ID cards of loan students and borrowers, and original household registration book.
(3) Common sense assessment: students who apply for new loans are assessed for loan knowledge, and only after passing the assessment can they qualify for loans. The assessment content is mainly based on simple financial knowledge and integrity knowledge.
(4) On-site handling: the loan students and * * * together with the borrower go to the county-level financial aid center to handle the application materials, sign the loan contract (in quadruplicate) after examination and approval, print the loan acceptance certificate (with "check code") and hand it over to the students. Borrowing students and * * * must sign a loan contract with the borrower, and it is strictly forbidden for others to replace the borrowing students or.
Verb (abbreviation of verb) approval procedure
1. university audit receipt: students pay the loan acceptance certificate (with "check code") when registering, and postpone the tuition fee. After the school collects the acceptance certificate of student-origin student loan, it examines the qualifications of the loan students, and after the examination and approval, it is entered into the "receipt entry" of the student-origin credit student loan information system of China Development Bank before 10.
2. Preliminary examination of the county-level student financial assistance center. The contract signed by the loan student when handling the loan is a pre-signed loan contract, and the pre-signed contract may not be obtained without the final approval of the provincial branch of China Development Bank. In the receipt entry stage, the county-level student financial assistance management center will re-examine the application materials provided by students applying for loans, notify students to modify and improve the materials that do not meet the requirements, and have the right to refuse loans to students who do not meet the loan conditions.
3 provincial student financial assistance management center audit. The provincial student financial assistance management center shall review and summarize the student application materials reported by all localities, return the students who do not meet the loan conditions, and report the qualified materials to the provincial branch of China Development Bank.
4. Final review of provincial branches of China Development Bank. The provincial branches of China Development Bank shall review the application materials and contracts submitted by the provincial student financial assistance management center, return the students who do not meet the loan conditions, and issue loans to the students who pass the examination.
Intransitive verb lending
When a student signs a contract, the student source credit student loan information system will automatically open an Alipay account for the student. After the provincial branch of China Development Bank approves the loan application, the loan funds will be transferred to the students' Alipay account through Alipay in the middle of 10.
Please refer to "Hubei Student Financial Assistance Network", the websites of student financial assistance management centers in counties and cities and the loan handling sites for the Guide to Applying for Student Credit Loan in Hubei Province.
The Provincial Department of Education requires local education administrative departments and colleges and universities to do the following work: First, attach great importance to the work of student-origin credit student loans, combine education with precise poverty alleviation, and ensure that students who meet the loan conditions "should repay their loans"; The second is to ensure the smooth implementation of the student-origin credit loan policy, especially to ensure that students with financial difficulties from affected families can apply for loans in time; Third, ensure that the policy of student-origin credit student loans is well known, especially for poor college students who have set up files and set up cards, so that publicity can reach everyone. 4. Ensure that the work flow of student-origin credit student loans is standardized, and do not arbitrarily increase the loan procedures and material requirements, so as to provide convenience for students and parents with financial difficulties who apply for loans.