(2) Application materials

After the start of the new school year, students apply for loans from the bank through the school according to the regulations of the school.

(3) Application amount

In principle, the maximum per person per academic year is no more than 6000 yuan.

(4) loan approval

The student financial assistance department of the school is responsible for the qualification examination of the national student loan application submitted by the students and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.

(5) Loan issuance

The national student loan in our province is implemented by students applying for payment once every academic year, that is, students sign loan contracts with banks within one academic year.

(6) Loan interest

The national student loan interest rate shall be implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies. The national student loan interest of the loan students during their study in school is all subsidized by the government, and the interest after graduation is paid in full by the loan students themselves.

(7) repayment period

According to the employment and income after graduation, students choose the time to start repaying the principal within 1-2 years after graduation, and pay off the loan principal and interest within 6 years.

(VIII) Consequences of breach of contract

(1) If the borrower of the national student loan fails to repay the loan within the time limit and amount stipulated in the repayment agreement signed with the handling bank, the default repayment amount shall be charged with penalty interest; ② The handling bank will enter the default into the basic database of personal credit information of the People's Bank of China for all financial institutions in China to inquire according to law. ③ Lenders who seriously breach the contract will also bear relevant legal responsibilities. 3. National Scholarship: A wide range of national scholarships are funded to show the concern of the party and the government for students from poor families in ordinary undergraduate colleges, higher vocational colleges and junior colleges. It is jointly funded by the central finance and local finance to subsidize full-time students with financial difficulties in ordinary undergraduate colleges (including higher vocational colleges and second bachelor's degrees).

(1) funding criteria

The national average is 2000 yuan per person per year, and the specific standard is determined within the range of 1000-3000 yuan per person per year, which is divided into 2-3 grades. The classification and specific standards of central colleges and universities shall be determined by the Ministry of Finance in consultation with relevant departments, and local colleges and universities shall be determined by provinces (autonomous regions and municipalities directly under the Central Government).

(2) Basic application conditions

Full-time college students with financial difficulties (including higher vocational and second bachelor's degrees).

(3) Application, examination and issuance

State grants are assessed once every academic year. Before September 30th every year, students apply to the university, and the university completes the evaluation before June165438+1October 15 of that year. State grants will be issued on a monthly basis 10, and universities will issue state grants to aided students on a monthly basis.

(4) Related matters

In the same academic year, students who apply for and receive state grants can apply for and receive state scholarships or state inspirational scholarships at the same time. Students majoring in normal education directly under the Ministry of Education who are trying out free education will no longer receive state grants at the same time. 4. National Inspirational Scholarship: National Inspirational Scholarship, funded by the central and local governments, aims to encourage students from poor families in ordinary undergraduate colleges, higher vocational schools and junior colleges to study hard, make progress and develop morally, intellectually, physically and aesthetically. It is jointly funded by the central and local governments to reward students from poor families with excellent academic performance. (1) reward standard

5000 yuan per person per year.