Taking Lushi County as an example, the national student loan, as an important support for poor students to complete their studies, has solved the urgent needs of many poor students and fulfilled their college dreams in difficulties. However, some college students' loans are delayed after graduation, which leads to their graduation credit crisis.
Lushi County Court enforced a case that loans overdue, a college student, had not returned. The executor Wang Cheng (pseudonym) applied for a student loan of 4,000 yuan 13 years ago. After graduating from college, loans overdue, the defendant refused to return to the court. After being enforced, the court deducted his deposit of 8500 yuan according to law.
On June 5438+065438+ 10, 2002, Wang Cheng was admitted to a university in Zhengzhou City, Henan Province. Because his parents are farmers and his family is poor, he signed a national student loan contract with a branch of Agricultural Bank of China Zhengzhou, stipulating that a branch would provide Wang Cheng with a national student loan of 4,000 yuan to pay for his tuition and living expenses during his school days.
The loan term is from June 30, 2002 to June 30, 2007, and the annual interest rate is 5.58%. The principal of the loan shall be repaid in installments, and the principal shall be repaid in half a year from the month of graduation, with a repayment of 2000 yuan per installment. The unpaid interest payable shall be compounded according to the regulations, but the unpaid interest during the school period shall not be compounded.
After the contract was signed, the bank paid Wang a loan of 4,000 yuan, which solved Wang Cheng's urgent need to go to school. However, Wang Cheng's college graduation loan failed to repay the loan principal and interest on schedule. On June 23, 2009, Wang Cheng was sued by a branch of Agricultural Bank of China Zhengzhou to the Jinshui District Court of Zhengzhou City. During the trial, Wang Cheng was legally summoned by the court and did not appear in court.
After trial, the court held that Wang Cheng failed to repay the principal and interest of the loan after borrowing, and should bear full responsibility for the dispute. Zhengzhou Jinshui District Court ruled that Wang Cheng returned the principal and interest of the bank loan of RMB 4,996.47, which was fulfilled within ten days after the judgment was issued. The case acceptance fee and announcement fee shall be borne by the defendant Wang Cheng. If the debt is not performed within the period specified in the judgment, the interest on the debt during the delayed performance period shall be doubled.
After the judgment came into effect, Wang Cheng refused to perform, and a branch of the Agricultural Bank of China Zhengzhou applied to the Jinshui District Court of Zhengzhou for compulsory execution on September 20 10. Because the registered permanent residence of the executed person Wang Cheng is in Lushi County, Sanmenxia City, Jinshui District Court entrusted Lushi County Court to enforce Wang Cheng. After the Lushi County Court accepted the entrustment, the executive judge went to Wang Cheng's domicile several times, but his family was "missing".
The case was once stranded. However, it was not until the execution judge found that Wang Cheng had a deposit by inquiring the bank account of the person subjected to execution that the execution judge gave up the execution of the case. The executive judge quickly rushed to Zhengzhou to freeze the deposit and deducted 8500 yuan from it to the court account.
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The national student loan can't be recovered in time, which damages not only the bank's funds, but also the students' personal credit, the warm care from all walks of life and the good student aid mechanism. Refusing to repay the student loan will leave a "credit stain" because the repayment of the student loan will be recorded in the personal credit integrity system.
It is possible for a bank to enter its default behavior into the credit information system of financial institutions. Bad records may make graduates have trouble in applying for mortgages and handling credit cards. No matter where students work after graduation, loans for buying cars and houses may be rejected by banks. If college graduates have just joined the work and have limited repayment ability, they should also contact the bank in time to apply for deferred repayment.
Sanmenxia Intermediate People's Court-loans overdue, a student, was not forced to enforce the integrity of college students.