1, fill in the student loan application form of China Development Bank in advance;

2. ID number and household registration book of the lender;

3. College students prove that those who have already gone to college need personal student ID cards, and freshmen need to provide admission notices from institutions;

4 low-income households, orphans, disabled families, divorced families with no stable income and other family financial difficulties. , need to provide the corresponding proof;

5. The lender's bank card or passbook.

When applying for a loan, the parties shall hold the application form to the township government, street offices and other departments to sign and affix their official seals; Hold the application form and the original and photocopy of the valid poverty certificate and other certificates that meet the loan conditions to the funding center for on-site confirmation and sign the contract. The district funding center will review the loan qualification, and require the loan contract and loan voucher to go to the school for receipt, and the receipt will be sent back to the local funding center in duplicate. The applicant must be a citizen of People's Republic of China (PRC), honest and trustworthy, and abide by the law.

Two, college students should have the conditions to apply for student loans.

(1) is a citizen of People's Republic of China (PRC) and has an ID card (if the guardian does not have an ID card);

(2) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);

(3) Honest and trustworthy, law-abiding, no illegal behavior;

(4) Being able to complete their studies normally;

(5) The funds that can be raised due to family financial difficulties are not enough to pay for their basic study and living expenses (including tuition, accommodation and basic living expenses) during their school study.

Third, the college student loan application process

1, accepted. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, and the management service center of the College Students Pioneer Park conducts preliminary examination;

2. review. The personnel bureau, in conjunction with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and verify the discount amount;

3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs, and the publicity period shall be 5 working days;

4. recognition. If there is no objection after publicity, the Personnel Bureau will issue a notice of approval;

5. payment. According to the examination and approval notice of the relevant departments, after the discount object provides the interest payment voucher, the Finance Bureau will allocate funds from the special fund for supporting college students' self-employment.

legal ground

People's Republic of China (PRC) Civil Code

Article 67 1

If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Article 672

Lenders may inspect and supervise the use of loans as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.

Regulations of the state on the administration of student loans

(eleven) the national student loans issued by the handling bank belong to commercial loans and are included in the normal loan management.

(twelve) the national student loan shall be managed by the annual application of students and the annual examination and approval of the handling bank.

(thirteen) the handling bank is responsible for determining the specific amount of the national student loan, in which: the amount used for tuition does not exceed the tuition fee collection standard of the borrower's school; The maximum amount used for living expenses shall not exceed the basic living expenses standard of the school area.

(fourteen) students applying for national student loans must have a guarantee approved by the handling bank, and the guarantor shall conclude a guarantee contract with the handling bank.

(fifteen) students who are really unable to provide guarantee and have special financial difficulties can apply for loans for poor students. Loans for poor students are proposed by the school, reported to the superior student loan management center for approval, and the handling bank handles the loan procedures according to relevant regulations.