All units and departments:
The revised Detailed Rules for the Implementation of the National Student Loan of China Geo University (Beijing) are hereby printed and distributed to you, please study it carefully and follow it.
Attachment: Detailed Rules for the Implementation of National Student Loan of China Geo University (revised on August 20 12)
China Geo University (Beijing)
August 30, 1965 438+02
Attachment:
Detailed Rules for the Implementation of National Student Loan of China Geo University (Beijing)
(Revised on August 20 12)
Chapter I General Provisions
Article 1 In order to do a good job in the work of national student loans in our school, these detailed rules are formulated in accordance with the Notice on Several Opinions on Further Improving the Work of National Student Loans (Guo Ban Fa [2004] No.51) and related documents, combined with the actual situation of our school.
Article 2 The school shall set up a leading group for student financial assistance to lead the work of national student loans. The leading group consists of the National Student Loan Office (hereinafter referred to as the "Student Loan Office"), which is located in the Student Office and is specifically responsible for the national student loan work. Each college is headed by a student worker, and a national student loan working group is set up, and a special person is appointed to be responsible for the specific implementation.
Article 3 The purpose of implementing the national student loan is to help students with financial difficulties in our school pay their tuition and basic living expenses during their school days, so that they can successfully complete their studies.
Chapter II Loan Objects and Conditions
Article 4 The object of national student loans is full-time undergraduates and postgraduates who have formal school status and have real family financial difficulties.
Article 5 Students applying for national student loans shall meet the following conditions:
(1) Having China nationality.
(2) Having full capacity for civil conduct (minors applying for national student loans must have the written consent of their legal guardians).
(three) honest and trustworthy, law-abiding, no violations of law.
(four) study hard, good moral character, can complete their studies normally.
(5) Due to the family's financial difficulties, the income earned during the school period is not enough to pay the basic expenses (including tuition and basic living expenses) needed to complete their studies.
(six) meet other conditions stipulated by the handling bank.
Chapter III Loan Quota
Article 6 In principle, the total number of students with national student loans shall not exceed 20% of the total number of full-time undergraduate students in our university.
Article 7 The specific loan amount of each student is determined according to the tuition fee, accommodation fee, living standard and degree of difficulty, but the maximum loan amount of each student does not exceed 6,000 yuan per academic year.
Chapter IV Application for National Student Loan
Article 8 National student loans are issued by means of credit guarantee. Students apply once every academic year, and the handling bank examines and approves them once every academic year.
Article 9 After the start of the new school year, the Student Affairs Office will make unified arrangements to apply for the national student loan. Each college organizes students who apply for national student loans to apply online, and issues the National Student Loan Application Approval Form and other related materials.
Tenth loan students must truthfully fill in and provide the following materials:
(1) Copy of my valid ID card, student ID card, admission notice, and valid ID card of my parents (minors must provide a copy of valid ID card of legal guardian and the original certificate of written consent for loan).
(two) the civil affairs department of the township or street where the students' families are located issued the "China Geo University (Beijing) Student and Family Survey Form".
(3) Students' families are in financial difficulties.
(four) the national student loan application form.
(5) Other materials required by the handling bank.
Students applying for national student loans should ensure that the above information is true. Students who apply for national student loans by fraud will be disqualified and will be dealt with according to the relevant provisions of the Measures for Handling Students' Violation of Discipline in Our School.
Eleventh students applying for national student loans must provide loan witnesses and witnesses.
The introducer is the student loan office, whose duties are: to contact and introduce the handling bank for the loan students; Recommend the loan application of loan students to the handling bank, and be responsible for understanding the relevant situation of loan students according to the requirements of the handling bank; Responsible for establishing, updating and managing the address and related contact information of loan students and other related credit files; Handle other related matters agreed by the bank and the school.
Witness refers to a natural person who is closely related to the loan student (such as the head teacher, full-time counselor and one of the student cadres of the loan student). Its duties are: to assist the introducer and the handling bank to fully understand the relevant situation of the loan students; Try to keep in touch with loan students after graduation, and provide effective communication methods for loan students to the handling bank.
Chapter V Approval and Issuance of Loans
Article 12 After receiving a loan application from a loan student, the college shall carefully examine the authenticity of the application content and the supporting materials provided in accordance with relevant regulations; Within 5 working days, submit the qualified applicant roster and application materials to the student loan office in time.
Article 13 After receiving an application for a student loan that has passed the preliminary examination by the college, the student loan office of the student origin shall complete the qualification examination of the application within 10 working days, and affix the official seal on the qualified approval form for confirmation.
Article 14 The Student-origin Student Loan Office will publicize the application information of qualified students on the campus online for 5 days, and correct the problematic applications.
Fifteenth publicity is correct, the student loan office shall timely summarize the following materials and submit them to the handling bank:
(1) The roster of students applying for student loans in our school.
(2) Application materials for students to apply for student loans in our school.
(3) Other materials required by the handling bank.
Article 16 The handling bank shall, after receiving the materials for applying for the national student loan sent by the school where the loan student is located, make a loan notice after examination and verification, and notify our school.
Seventeenth tuition, accommodation and basic living expenses loans by the handling bank directly into the designated account of our school according to the academic year. After deducting the tuition and accommodation fees of students, the financial department of our school will transfer the remaining loan amount to their personal accounts.
Chapter VI Alteration and Termination of Loans
Article 18 After the loan amount is determined, if the loan student intends to terminate the loan, he/she should fill in the Approval Form for the Termination of National Student Loan before the face-to-face interview in that year 10, and submit a written application to the handling bank, and forward it to the loan bank through the student loan office.
Nineteenth loan students who transfer during the loan period must pay off the principal and interest of the loan before going through the transfer formalities.
Twentieth suspension, withdrawal, going abroad, expulsion, death and other circumstances. The college shall report to the student loan office in a timely manner, and the student loan office shall notify the handling bank in a timely manner after it is informed. The handling bank has the right to stop issuing outstanding loans and recover the principal and interest of loans in advance according to the contract. After the handling bank takes the above measures as appropriate, or after the handling bank signs a repayment agreement with the loan student, the school will handle the relevant procedures for it.
Twenty-first loan students in the use of loans, such as violation of the relevant provisions of the handling bank, the handling bank may stop issuing loans, and may require the loan students to repay all the loan principal and interest.
Twenty-second loan students do not meet any of the provisions of Article 5, the student loan office may suggest that the handling bank terminate its student loan and recover the loan principal and interest in advance.
Chapter VII Loan Discount
Twenty-third in order to reduce the loan repayment burden of students from poor families, students who apply for national student loans are given discount. The loan interest of loan students during their school days is fully subsidized by the state and paid by themselves after graduation. Loan students will begin to pay interest after graduation.
Twenty-fourth loan students pay interest on their own after graduation, and the starting time is 1 day (including 1 day) next month after obtaining the graduation certificate; Loan students who graduate, drop out of school, drop out of school or have their school status cancelled according to the regulations on school status management shall pay interest from 1 of the month following the date of handling relevant procedures.
Twenty-fifth loan students after graduation interest payment method, determined by the students and the bank for repayment confirmation procedures.
Chapter VIII Term and Repayment of Loans
Twenty-sixth loan students should strictly fulfill their repayment obligations.
Twenty-seventh college student loans generally do not exceed 10 years. When a loan student graduates, terminates or drops out of school, he/she must go through the repayment confirmation formalities at the handling bank under the organization of the school before going through graduation or other relevant formalities, and the school will load the loan information into the students' personal files.
Twenty-eighth loan students leave school 60 days before graduation, and the student loan office organizes the loan students to go to the handling bank to go through the repayment confirmation procedures, formulate the repayment plan and sign the repayment agreement. After the loan students go through the above procedures in the bank, the school will go through the graduation procedures for them.
Depending on the employment situation after graduation, 1 the loan students will start to repay in two years and pay off in six years. When the loan students go through the formalities of graduation or termination of their studies, they should confirm the repayment plan with the handling bank, and the repayment period shall be determined by both borrowers and borrowers through consultation.
If the loan student continues to pursue a degree, the loan student should provide a written proof of continuing to pursue a degree to the handling bank in time, sign a deferred repayment agreement with the bank, and the financial department will continue to implement interest subsidies according to the students in school.
Twenty-ninth loan students can apply to the handling bank to adjust the repayment plan within one year after graduation or termination of their studies, and the handling bank shall accept it and make reasonable adjustments according to the actual situation and relevant regulations. There are many ways to repay the loan principal and interest, which can be repaid in advance at one time or in several times. If the loan is repaid in advance, the handling bank will calculate the interest according to the actual term of the loan, and will not charge any fees other than the interest payable.
Thirtieth graduates who voluntarily go to grass-roots units in the central and western regions and hard and remote areas for employment and service for more than 3 years (including 3 years) after graduation may apply for tuition fees and national student loan compensation. See the Interim Measures for Tuition Compensation and National Student Loan of China Geo University for details.
Thirty-first loan students should fill in the graduation confirmation in the 15 digital information portal within 05 days before graduation. Fill in all kinds of information of the employment unit, the latest residential address, contact telephone number and other effective contact information.
Thirty-second during the loan period, the loan student must pay off the principal and interest of the loan before going abroad (territory) or settling down, and the relevant departments can go through the formalities of going abroad (territory); For students who drop out of school, are expelled or die, the school should assist the handling bank to collect the principal and interest of student loans before going through the corresponding procedures.
Chapter IX Loan Risk Prevention and Default Treatment
Thirty-third schools, handling banks and national student loan management centers shall establish a loan student information inquiry management system, implement computer management of loan information, properly manage loan student information, and strengthen post-loan management of students.
Thirty-fourth schools set up credit files for loan students, cultivate students' integrity awareness, urge loan students to repay the principal and interest of loans in time, and strive to reduce the risk of national student loans; All colleges should establish credit files for students who borrow from them. In case of Article 20, they should promptly notify the student loan office in the place of origin. Each college will summarize the study and conduct of the loan students in the college within two weeks after the start of each academic year, and then report it to the school loan office.
Thirty-fifth handling banks should establish an effective loan repayment monitoring system, strengthen daily loan repayment collection, and make collection records; For students who fail to repay the national student loan within the agreed time limit and amount, penalty interest will be charged for the amount of the loan in default, and their default behavior will be recorded in the credit information system of financial institutions, and financial institutions will no longer handle new loans and other credit businesses for them. The handling bank will provide the name, ID number, graduation institution and breach of contract of the loan students who owe more than one year and have not contacted the handling bank actively to the National Student Loan Management Center according to the affiliation.
The national student loan management center will publish the list of students who have defaulted on loans provided by the handling bank in the news media and the website of the national academic inquiry system for college graduates.
The announced delinquent students refer to loan students who have been in arrears for more than one year after entering the repayment period according to the repayment agreement and have not contacted the handling bank to handle the relevant procedures. The handling bank will provide the information of the defaulting students to the school, and the school and the handling bank have the right to announce their names, citizen ID numbers, graduation schools and specific violations to the public through news media, internet and other information channels without notifying the defaulting students.
Chapter X Supplementary Provisions
Article 36 These Rules shall come into force as of the date of promulgation and shall be interpreted by the Student Affairs Office.