A: 1. The applicant must be 18 years old and have civil capacity; 2. Good credit information and no bad personal credit record; 3. The purpose of the loan is legal, reasonable and clear; 4. Valid identity certificate and asset certificate; 5. Have relevant asset certificates and have certain repayment ability; 6. Having a fixed residence and a long-term valid residence permit at the place where the loan bank is located; 7. You need to show your personal student ID card.

The specific process is as follows: 1. Clear application: students clearly apply for student loans, obtain materials such as the "National Student Loan Application Review Form" filled out in advance, and prepare relevant supporting materials and submit them to the national student loan agency of their university;

2. Pre-examination of school institutional loans: under the quota conditions and proportions stipulated by the National Student Loan Center, school institutions will review the materials provided by students applying for loans;

3. Loan review of the handling bank: After the agency handling bank reviews, it will submit relevant materials to the handling bank for loan review;

4. Bank audit;

5. Sign the loan agreement: After the loan application is approved, the college will organize students to fill in, sign the loan agreement and borrow money within 10 working days according to the loan student list provided by the handling bank, and submit it to the handling bank at the same time;

6. Loan issuance: within 20 working days after signing the loan contract and loan receipt with the loan student, all kinds of tuition fees of the student in the first year will be credited to the designated account.