Shaanxi Jiaodai [2065438+02] No.2
Shaanxi Provincial Department of Education on further improvement
Student qualification of student source credit student loan
City (District) Education Bureau, ordinary high schools
Since its implementation in 2007, our province has basically guaranteed the smooth entry of students from poor families into strong provinces, which has played a positive role in building a harmonious society. Various places have explored many good experiences and practices in the identification of loan students. In order to further improve and standardize the accreditation of student-origin credit student loans, rationally allocate financial resources and promote the healthy development of student-origin credit student loans, according to the relevant provisions of the Interim Measures for the Implementation of National Student-origin Credit Student Loans in Shaanxi Province (Notice of Shaanxi Education Loan [2007] on Further Strengthening the Accreditation of Student-origin Credit Student Loans) issued by the Shaanxi Provincial Department of Education and Shaanxi Branch of Shaanxi Development Bank, combined with the actual situation in our province, we are now supplementing the relevant matters concerning the accreditation of student-origin credit student loans.
First, certification bodies.
Under the premise of "all loans should be made", the students themselves apply for the qualification identification of student-origin credit student loans, and under the leadership of the leading group for college student financial assistance and the leading group for county-level student financial assistance, the principle of final examination and identification by the management center for college student financial assistance is implemented.
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To apply for a student source credit student loan, the following conditions shall be met:
(1) Students applying for student-origin credit student loans must meet the following conditions at the same time.
1. The household registration and family residence of students, parents or other legal guardians are all within the jurisdiction of this county;
2. Have full capacity for civil conduct;
3. Honest and trustworthy, law-abiding, no bad records;
Freshmen or students who have been officially admitted by schools, higher vocational colleges and universities (including private colleges and independent colleges) and obtained a true, legal and effective admission notice.
(a) students with student loans and their families.
1. When applying for a loan, students who enjoy the urban and rural minimum living allowance policy must provide the Certificate of Minimum Living Allowance for Urban Residents or the Certificate of Minimum Living Allowance for Rural Residents issued and verified by the civil affairs department at the county level in that year, and their urban and rural identity cards and their copies. The original is returned to the applicant after examination, and the copy is used as the loan file.
2 orphans, children of martyrs, children of families with special care. When applying for a loan, students must provide the originals and photocopies of relevant certificates such as orphans, martyrs and families with special care. The original shall be returned to the applicant after examination and a copy shall be made.
3. Some children from disabled families. That is, a family whose parents or one of them belongs to the third-grade or above disability level and enjoys the family financial difficulties living allowance. When applying for a loan, students must provide the original and photocopy of People's Republic of China (PRC) Disabled Persons' Card and the Certificate of Living Allowance for Poor Families. The original shall be returned to the applicant after examination, and the copy shall be kept as the loan file.
4. Families whose family members pay a large amount of medical expenses due to serious diseases, resulting in financial difficulties. When applying for a loan, such students must provide detailed information of family financial difficulties verified by the township street civil affairs department, the diagnosis certificate of hospitals at or above the county level (including the county level) and the original settlement documents before applying for a loan.
5 families with great personal and property losses and financial difficulties due to sudden changes. When applying for a loan, students must provide detailed information on family financial difficulties verified by the civil affairs department of the township street before applying for a loan.
6 families with financial difficulties caused by force majeure or natural disasters. Irresistible sudden disasters or major natural disasters occur in the area where students' families are located, causing family economic difficulties. When applying for a loan, students must provide detailed information on family financial difficulties verified by the township street civil affairs department before applying for a loan.
7. Single-parent families with no stable income. Parents divorced or one of them died, and there was no stable income, which led to family financial difficulties. When applying for a loan, students must provide detailed information on family financial difficulties verified by the civil affairs department of the township street before applying for a loan.
8. Other families with financial difficulties. Other reasons lead to family financial difficulties. When applying for a loan, students must provide proof of family financial difficulties approved by the township street civil affairs department and the county (district) civil affairs department before applying for a loan.
Under any of the following circumstances, students may not apply for credit student loans.
1. The family owns enterprises, cars and luxury houses;
2. Long-term purchase or lease of computers with high configuration and high price (except for special majors);
3. Buy luxury goods such as high-end appliances, fashion, jewelry or high-end cosmetics;
4. Frequent access to commercial Internet cafes during school;
5. The usual consumption level is higher than the average living standard around;
6. One of the parents is a financial supporter.
Third, the appraisal procedure.
Students who apply for student-origin credit loans are recognized once every academic year. Universities and county-level student financial assistance management centers should conscientiously and responsibly complete the identification work according to their respective functions. The identification procedure is as follows:
(1) filing an application.
Applicants must submit a written application (a4 paper, handwritten). The application must make a written commitment to the family economic situation stated and the authenticity of the supporting materials provided. In line with the application conditions, students in the province should truthfully fill out the Application Approval Form for Student Credit Loan from Shaanxi Province (Annex 1), and freshmen and students from other provinces should fill out the Application Approval Form for Student Credit Loan from Shaanxi Province and students from other provinces (Annex 2).
(2) provide materials.
At the same time as the applicant applies, freshmen and students studying in other provinces must provide authentic, legal and effective proof materials about family financial difficulties to the student financial assistance management center in the county (city, district) where the household registration is located. Such as the original and photocopy of the passbook, orphan certificate (or orphan certificate issued by the local civil affairs department), martyr's family certificate (or martyr's family certificate issued by the local civil affairs department), preferential family certificate (or preferential family certificate issued by the local civil affairs department), disability certificate and living allowance certificate of family financial difficulties, proof of family financial difficulties caused by major diseases, and proof of family financial difficulties caused by sudden family changes. , due to other reasons leading to family financial difficulties, but also provide the relevant certification materials issued by the competent authorities. Students in the province should provide the above-mentioned relevant materials to the University Student Financial Assistance Management Center.
(3) qualification examination.
1. The county-level student financial assistance management center is responsible for the qualification examination of freshmen and students from other provinces; The qualification examination of student loans in the province is the responsibility of the University Student Financial Assistance Management Center.
2. Review the content.
(1) Whether the family economic situation stated by the applicant meets the application conditions;
(2) the actual situation of the applicant's daily consumption;
(3) Whether the certification materials provided by the applicant are true, lawful and effective.
3. Review methods.
(1) Review the application form and relevant supporting materials;
(2) Understand the daily consumption of the applicant through individual conversations, and keep conversation record as a loan file;
(3) according to the need to contact the relevant institutions and units where the applicant's family is located, to verify the certification materials provided by the applicant or to visit the applicant at home.
(4) Organizing appraisal.
The college student financial aid management center and the county student financial aid management center respectively organize relevant personnel according to the application forms and relevant certification materials submitted by students, and conduct careful evaluation in various ways to determine the list of students with credit student loans from their places of origin this academic year.
(five) to carry out publicity.
On the list of loan students approved by the leading group of college or county-level student financial assistance, the management center of college and county-level student financial assistance should be publicized for not less than 5 working days. If students have objections, they can ask questions to universities and county-level student financial assistance management centers in an effective way. The student financial assistance management center should make a final reply on the basis of full investigation within 3 working days after receiving the objection materials.
(6) qualification examination.
When students in the province apply for loans in the county-level student financial assistance management center, they must provide the application form, the "Shaanxi Province Student Source Credit Student Loan Application Approval Form" and the original and photocopy of relevant certification materials. The county-level student financial assistance management center shall review the relevant materials provided. If the relevant materials provided by students are found to be incomplete or inconsistent with the actual situation, they have the right to cancel the applicant's loan qualification and notify the relevant universities after verification and confirmation.
If the relevant contents of this notice are inconsistent with the previously published documents, the provisions of this notice shall prevail.
March 20 12 12
Attachment 1:
Shaanxi University Students' Credit Student Loan Application Approval Form
Name, gender, ID number and photo of the student.
The entrance qualification of this school department
Registration time, year, educational background, educational system and political outlook
The main members of the family
Title, name, home address or work unit address, zip code, ID number, telephone number, average monthly income.
Father yuan
parent element
Other guardian elements
The degree of difficulty of students ◎ extreme poverty ◎ ordinary students with difficulties ◎ excellent ◎ good ◎ average ◎ poor.
Annual tuition, annual accommodation and annual minimum living expenses.
Brief description of family financial difficulties:
Applicant (signature): MM DD YY.
The witness himself believes that the above situation is true and voluntarily fulfills his obligation to testify.
Witness 1 (signature):
Tel: Year Month Day
Witness II (signature):
Tel: Opinions of the township or street civil affairs department. After verification of the student's resident ID card, household registration book and field investigation, the basic information of the student and the family's financial difficulties are true, and it is planned to agree to apply for a credit loan from the student's origin.
Name of unit (seal):
Tel: Year Month Day
university
(department)
Opinions after preliminary examination, agreed to apply for student credit loan.
Name of unit (seal):
Telephone:
Year, month and day school
Financial assistance
centre
Opinions after preliminary examination, agreed to apply for student credit loan.
Handler (signature):
Telephone:
Name of unit (seal):
Year month day county level
Financial assistance
centre
After the qualification examination, I agree to apply for a student credit loan.
Handler (signature):
Telephone:
Name of unit (seal):
Date, year and month
Note: 1. The applicant must truthfully fill in the relevant information, with clear handwriting, complete content and concise words;
2. The witness shall fully understand the basic information of the applicant and the application process of the student-origin credit student loan, and may testify when necessary;
3. Township and street civil affairs departments shall verify the applicant's family economic status based on household registration information and low assurance, and it is strictly forbidden to issue false certificates;
4. The school financial aid center must strictly examine the basic information and qualifications of the applicant and be responsible for the authenticity of the applicant's information.
Sources of freshmen and college students from other provinces in Shaanxi Province
Approval Form for Credit Student Loan Application
Name, gender, ID number and photo of the student.
The entrance qualification of this school department
Registration time, year, educational background, educational system and political outlook
The main members of the family
Title, name, home address or work unit address, zip code, ID number, telephone number, average monthly income.
Father yuan
parent element
Other guardian elements
The degree of difficulty of students ◎ extreme poverty ◎ ordinary students with difficulties ◎ excellent ◎ good ◎ average ◎ poor.
Annual tuition, annual accommodation and annual minimum living expenses.
Brief description of family financial difficulties:
Applicant (signature): MM DD YY.
The witness himself believes that the above situation is true and voluntarily fulfills his obligation to testify.
Witness 1 (signature):
Tel: Year Month Day
Witness II (signature):
Tel: Senior High School, Year, Month, Day
(Freshman) or village group,
The opinions of the street community (students from other provinces) have been verified by the resident ID card, household registration book and field investigation of the students themselves and their immediate family members, and the basic information of the students and the financial difficulties of their families are true, so it is planned to agree to apply for a student-origin credit loan.
Name of unit (seal):
Tel: Year Month Day
Township or
The opinions of the street civil affairs departments have been verified by the resident ID cards, household registration books and field surveys of students and their immediate family members. The students' basic situation and family financial difficulties are true, and it is planned to agree to apply for student-origin credit loan.
Name of unit (seal):
Tel: Year Month Day County
Financial assistance
centre
After the qualification examination, I agree to apply for a student credit loan.
Handler (signature):
Telephone:
Name of unit (seal):
Date, year and month
Note: 1. The applicant must truthfully fill in the relevant information, with clear handwriting, complete content and concise words;
2. The witness shall fully understand the basic information of the applicant and the application process of the student-origin credit student loan, and may testify when necessary;
3. Township and street civil affairs departments shall verify the applicant's family economic status based on household registration information and low assurance, and it is strictly forbidden to issue false certificates;
4. The county-level funding center must strictly examine the basic information and qualifications of the applicant, and be responsible for the authenticity of the applicant's information.
Keywords: loan student qualification notice
CC: Provincial Department of Finance and Shaanxi Branch of China Development Bank.
Shaanxi Provincial Department of Education Office 20 12 was released on April 12.
Printer: Gao Junping; Proofreading: Ji * * * seal 150 volumes 12.
Second, what is the main function of student-origin credit loan?
Student-origin credit loan is mainly used to solve the tuition problem of poor college students.
3. What are the advantages of student loans?
What are the benefits of student loans? What's not good?
Actually, it's almost the same
First of all, can you get a student loan from the place of origin? It was impossible in many places before. Student-origin student loan seems to be a loan in the name of your parents, so the repayment person is your parents (refer to relevant information for details).
Secondly, the national student loan must be applied at the university where it is located, and not everyone can pass it. When you apply, you are the lender, so the repayment person is also you (of course, you will ask your parents to urge you to repay). The current policy seems to be that you don't have to pay interest during school, but you have to pay interest from the day you leave school. I have applied for a national student loan before, so I am familiar with this aspect. Please consult the relevant departments of your school for details.
What are the benefits of student loans?
Characteristics of student-origin student loans Compared with the national student loans handled by universities, student-origin student loans have the following characteristics:
First, it is easy to define the student-origin student lenders, and rural credit cooperatives can conduct in-depth family surveys on students. It can prevent "false poverty", grant student loans to students whose families are really poor, and avoid the difficulty in identifying poor students.
Second, the loan is guaranteed by the parents of the students, and the risk of financial institutions is small. For banks, borrowers have changed from students with greater mobility to relatively stable parents of students, and the guarantee method has changed from simple student credit guarantee to the combination of parents' credit (or property) and students' credit, which has strengthened parents' responsibilities. It is very convenient for banks to contact parents or students, which reduces the links of information feedback and ensures the accuracy and effectiveness of information, thus reducing the risk of this student loan and greatly improving the enthusiasm of banks.
Third, because the student-origin student loan is handled in the student's hometown, it is easy to recover after the expiration and the repayment rate is high. Fourth, poor students pay off all tuition fees on time, with little ideological burden and psychological pressure. For students, borrowing from the bank where their home is located can pay off their tuition on time, without psychological pressure and "inferiority", and they can get along with their classmates with a normal attitude, which is conducive to concentrate on their studies; For schools, it can help students complete their studies smoothly, facilitate school management, maintain school stability and promote school development.
Is it appropriate to apply for a student loan? What are the benefits?
In fact, it is decided according to the actual situation of each family. We can't generalize.
Loans can relieve your family pressure during college. During this time, your family can slowly save your tuition. But you must pay it off in one lump sum when you graduate. If you breach the contract, it will affect your personal credit record, which is not good for you to buy a house in the future. Now the use of social credit is also rising. If there is a loan default, it will be troublesome to buy a house in the future.
Why did you give me an Alipay when applying for a student loan? What is this for?
1, Alipay is a platform in the middle. Pay the money you borrowed to Alipay, and let Alipay automatically transfer the money to your school account, which is the school account, not the card issued by the school. So you can't see the money you borrowed and directly offset the tuition you owe.
2. Similarly, when you repay the money, you also put the money into Alipay, and Alipay will automatically return the money to the bank after bookkeeping.
What is the difference between the national student loan and the student source credit student loan?
. Students who need loans due to financial difficulties have two choices (only one can be selected): 1, student-origin student loan (i.e. student-origin credit student loan) organized and implemented by China Development Bank; 2. National student loans provided by China Agricultural Bank and other banks.
Interest and repayment methods are generally the same (interest is calculated after graduation, and the interest is subject to the bank interest rate at that time); The borrower of the former is the student himself, and the lender of the latter is the guardian.
What are the benefits of student loans?
Student-origin credit loan is a credit loan, which does not need guarantee or mortgage. You can get a loan of no more than 6000 yuan every year. The interest during the school period is fully subsidized by the finance. Maximum repayment period 14 years.
Can I apply for a grant from a student-origin student loan?
There is no relationship between the two. Applying for a state grant depends entirely on your comprehensive grades at school. Student-origin student loans can only be repaid at the beginning of graduation. So it doesn't matter.
What kind of loan is the student source credit student loan?
The nature of the student loan is ()
What are the benefits of college student loans?
The college student loan is aimed at the poor students in the school. This is an interest-free loan. You can apply after graduating from your senior year and pay back immediately. In short, a four-year college loan has no interest.
What is the role of Sina mailbox for student-origin student loans?
This Sina mailbox is your Alipay number.
Use this Alipay for repayment in the future.
(Log in to Alipay with this Sina mailbox)
I see
You can't ignore it. You'll need it when you pay back the money.
4. What are the advantages of credit student loans?
To learn about "student-origin credit student loan", please visit Baidu. This is issued by financial institutions such as China Development Bank to eligible freshmen and students with financial difficulties (hereinafter referred to as students). Students and their parents (or other legal guardians) apply to the county (urban area) student financial aid management center or financial institution where the students attend to help the students with financial difficulties pay the tuition and accommodation fees required during their study at school. Student-origin credit loan is a credit loan, which does not need guarantee or mortgage. Students and their parents (or other legal guardians) are the same borrower, and both parties are liable for repayment.
You can also go to the "National Development Bank Student Loan Information Network" to understand.