I. Loan application

The borrower shall apply for a loan to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where his domicile is located (hereinafter referred to as the "County Financial Assistance Center"), fill in the loan application form and provide the following materials:

1. The borrower and the original and photocopy of the borrower's household registration book;

2. The original and photocopy of the borrower and the borrower's identity card (or valid identity certificate);

3. Student identification. Freshmen with university admission notice and its copy; Students should show their student ID card and the proof of the borrower's source of life issued by the borrower's university.

Second, the contract signing

1, the local funding center reviews the application materials;

2. The local aid center guides the borrowing students to open personal accounts in the handling bank;

3, signed the "student credit loan loan contract";

4, the local funding center issued a "student credit loan contract receipt".

Third, the contract receipt

1. Borrowing students bring contract receipts to the school;

2. The school shall go through the acceptance procedures in accordance with the contract requirements;

3. The student himself sends the contract receipt back to the county-level financial aid center where the student is located;

4, the local financial aid center to prepare a summary report to the provincial student financial aid management center;

5, the provincial funding management center submitted to the handling bank for approval.

Four. loan origination

1. The handling bank transfers the loan funds to the borrower's personal account;

2. The loan funds are transferred from the personal account to the tuition account of the borrower's school.

Verb (abbreviation of verb) contract change

After the signing of the loan contract, if the borrower needs to change the personal account name or account number, or the borrower cannot repay the loan according to the repayment plan agreed in the loan contract due to reasons such as continuing his studies or dropping out of school, the contract can be changed upon the borrower's own application and the approval of the county-level funding center. In principle, the adjustment of the repayment plan can only be carried out within the loan period agreed in the contract and cannot be extended.

National student loan management regulations (for Trial Implementation), loan recovery:

First, the principal and interest of loans borrowed by students must be paid off within four years after graduation. In order to ensure the recovery of the national student loan, students must reconfirm or change the loan contract with the handling bank before graduation, and go through the corresponding guarantee procedures. After this procedure is completed, the school can go through the graduation formalities for students.

Second, during the loan period, students going abroad (border) to study or settle down must pay off the loan principal and interest in one lump sum before going abroad (border), and the relevant departments can go through the formalities for going abroad.

Students who need to transfer must go through the transfer formalities at their school and the handling bank, and handle the debt transfer of student-origin student loans with the proposed transfer school and the corresponding handling bank, or after the students pay off the principal and interest of the borrowed loans.