First, the national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments 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. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan.
Two, the CPC Central Committee and the State Council attached great importance to the financial assistance for students from poor families. It is an important measure to establish and improve the financial aid policy system for students from poor families, so that students from poor families can enter school smoothly, afford college and receive vocational education, which is to practice the "Theory of Three Represents", implement the Scientific Outlook on Development and build a harmonious socialist society. It is an effective means to implement the strategy of rejuvenating the country through science and education and strengthening the country through talents, optimize the educational structure and promote educational equity and social justice; It is an inevitable requirement for effectively performing public finance functions and promoting the equalization of basic public services.
The main contents of the financial aid policy system for students from poor families in colleges and universities
After the promulgation and implementation of the State Council's Opinions on Establishing and Perfecting the Financial Aid Policy System for Students from Poor Families in Colleges, Higher Vocational Schools and Secondary Vocational Schools (Guo Fa [2007]13) and its supporting measures, the state has established various forms of financial aid policy systems for students from poor families in colleges and universities, such as national scholarships, national inspirational scholarships, national grants, free education for normal students, national student loans, work-study programs, tuition fee remission and so on. When students from poor families are admitted to universities, they can first report on time through the "green channel". After entering the school, the school verifies the family's financial situation and then adopts different ways to support it. Among them, the problem of living expenses is mainly solved by state grants, supplemented by work-study programs; To solve the problem of tuition and accommodation, the national student loan is the main one, supplemented by the national inspirational scholarship. In addition, the state actively guides and encourages social organizations, enterprises and individuals to set up scholarships and grants for institutions of higher learning to help students from poor families enter and complete their studies smoothly.
3. College students from poor families
Students with financial difficulties in their families refer to students who can't pay the basic study and living expenses during their studies at school with the funds raised by themselves and their families. By the school in accordance with the standards and procedures prescribed by the relevant departments, determined through democratic appraisal. When students apply for the identification of family financial difficulties, they need to submit the "Questionnaire on Students and Families in Colleges and Universities" stamped by the civil affairs department of the township, town or street where the family is located (see attached table) to prove the family economic situation.
3. The scope of implementation of university funding policy.
All full-time undergraduate students (including higher vocational colleges and second bachelor's degrees) in public colleges, higher vocational schools and junior colleges who meet the requirements stipulated by the state enjoy the state funding policy. Private colleges (including independent colleges) run schools in accordance with the relevant provisions of the state, and fully withdraw 4-6% of their business income to subsidize students with financial difficulties from families. Their full-time undergraduates (including higher vocational colleges and second bachelor's degrees) who meet the requirements stipulated by the state can also enjoy the state funding policy. The specific measures shall be formulated by the provinces (autonomous regions and municipalities directly under the Central Government) in accordance with the relevant provisions of the state.