In August 2007, the state issued a new policy of "student-origin credit loan" (hereinafter referred to as "student-origin loan"). In August 2007, the Ministry of Finance, the Ministry of Education and the China Development Bank jointly launched six pilot provinces (cities) in Hubei, Heilongjiang, Jiangsu, Shaanxi, Gansu and Chongqing. At present, the pilot provinces (cities) to carry out student-origin loan business are: Hubei, Heilongjiang, Jiangsu, Shaanxi, Gansu, Chongqing, Qinghai, Xinjiang Uygur Autonomous Region, Ningxia Hui Autonomous Region, Inner Mongolia Autonomous Region, Shanxi, Beijing, Shandong, Anhui, Zhejiang, Fujian, Shanghai, Hunan, Jiangxi, Yunnan, Guizhou, Sichuan and Yunnan. Other provinces and cities are also actively piloting the implementation of student-origin credit student loans, and students can consult the local county-level education administrative departments about the specific application of student-origin credit student loans. The pilot project of national student source credit student loan was launched in an all-round way
[1] 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. Since 20 10, all student-origin credit student loans have been applied through the student loan information network of China Development Bank.
Application conditions
The applicants of the Student Source Credit Loan of China Development Bank (hereinafter referred to as Student Source Loan) are students from poor families whose household registration is in the provinces and cities where the Student Source Loan has been opened. Students and one of their parents (legal guardians) form a * * * relationship with the borrower. (1) The recipients of student-origin student loans must meet the following conditions: 1. They have China nationality; 2. Honest and trustworthy, law-abiding; 3. In accordance with the relevant provisions of the state, freshmen or college students who are officially admitted to full-time ordinary colleges, higher vocational schools and colleges that are approved to set up higher education have obtained a true, legal and effective admission notice; 4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district); The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies during school. Note: The identification of students from poor families in 2008 was completed by the local education authorities before the end of June this year. Freshmen applying for this year's student source credit loan and old students studying in colleges and universities in the province have been included in the list. For details, please consult your county (city, district) Education Bureau's student financial assistance management department. (2) * * * Borrower * * The borrower is mainly the borrower's parents (or legal guardians). If the borrower is an orphan and cannot appoint a guardian, it can be a natural person, including a close relative, who voluntarily shares the repayment responsibility with the borrower, has full capacity for civil conduct, is under 60 years of age, has no bad credit record and has a local household registration.
Loan amount, term and interest rate
(1) loan amount The loan amount shall not exceed 6,000 yuan per person per academic year, which is an integer between 1 1,000 and 6,000. In principle, it is used for students' tuition and accommodation during school. College students who obtained national student loans in colleges and universities in that year may not apply for student-origin credit student loans at the same time. (II) Loan Term In principle, the loan term is determined according to the number of years of full-time undergraduate education (students according to the remaining years of education) plus 65,438+00 years, and the longest loan term does not exceed 65,438+04 years. At the end of two years after graduation from the normal academic system, students will start to repay the loan principal in installments according to the loan contract. There is a grace period for students during school and two years after graduation. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract. Borrowing students who have studied for more than 4 years and continue to pursue a higher degree (including the second bachelor's degree) will shorten the period of repayment of principal and interest after graduation. (III) Loan interest rate The benchmark interest rate of RMB loans announced by the People's Bank of China at the time of loan issuance is adjusted once a year from the loan issuance date of 65438+February 2 1, and the adjusted interest rate is the benchmark interest rate of loans of the same grade in the same period announced by the People's Bank of China on the adjustment date. Interest on student loans is calculated on an annual basis. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians). (IV) Discount Policy According to the relevant provisions of the national student loan, in principle, during normal schooling, the interest on the student loan is fully subsidized by the finance. After graduation, the loan interest shall be borne by the borrower. 1. Interest loan The interest of students during their school days is all subsidized by the financial department. Among them, students admitted to universities directly under the central government bear loan interest subsidies. Students admitted to local colleges and universities who study across provinces are subsidized by the central government; Studying in this province, the loan discount shall be borne by the local finance. After graduation, students and their parents (or other legal guardians) will bear all interest. 2. Risk compensation. Establish a special fund for risk compensation of student-origin credit student loans, and the risk compensation ratio shall be determined according to 15% of the loan amount in the current year. 3. Discount and risk compensation management. The interest subsidies and risk compensation paid by the central and local governments are collected by the National Student Financial Assistance Management Center and the provincial student financial assistance management centers respectively. 65438+ Before February 20th of each year, it will be fully and on time allocated to the handling bank that carries out student-origin credit student loans, and the handling bank will implement special account management, which is mainly used to make up for loan default losses and other expenses that are conducive to preventing risks and strengthening management.
Application material
(1) loan certification materials 1.09. For freshmen enrolled in 2009 and provincial and municipal students who set up student-origin credit student loans in provincial and municipal colleges and universities, the qualification of students with financial difficulties has been completed in advance by the local education authorities, and students who pass the pre-application examination must produce provincial and municipal certification materials for setting up student-origin credit student loans in graduated middle schools or colleges and universities. 2. Students from other provinces and cities who offer student-origin student loans in universities in other provinces and cities must issue loan certificates by their universities. (2) identification materials 1. The original and photocopy of the borrower's ID card and household registration book (the guardian can also use the military card or the armed police card as valid documents); 2. Admission notice or student ID card. Freshmen with the original and photocopy of the admission notice, students with the original and photocopy of the student ID card;
Declaration and handling procedures
(1) Student Financial Assistance Management Department of the Education Bureau of the county (city, district) to which the borrower belongs. (II) Preparation materials After the above poverty proof materials, identification materials and passbook of the Postal Savings Bank are prepared, they shall register with the student financial assistance management department of the Education Bureau of the county (city, district) and receive the Application Form for Student Credit Loan of China Development Bank (hereinafter referred to as the Application Form). The borrower needs to complete the application form and seal it completely. (III) Examination of materials The borrower and * * * together with the borrower go to the student financial assistance management department of the county (city, district) Education Bureau to register and receive the form, and issue two identification materials (including the borrower and * * * together with the borrower's ID card and photocopy, student ID card or admission notice, household registration book), application form and postal account number, and the staff of the student financial assistance management department of the county Education Bureau will examine the materials. (IV) The borrower who signed the contract signed the Loan Contract for Student-origin Credit Student Loan of China Development Bank with the borrower himself, signed the loan contract and authorized the Postal Savings Bank to deduct the loan principal and interest from the above account. Special reminder: please fill in the passbook account number in the contract, and the account number must be filled in accurately. If the loan cannot be remitted due to the wrong filling, the responsibility shall be borne by the student himself. (V) Return the receipt of the contract After the loan contract is signed, students can report to the university with the contract, and send the receipt of the contract stamped by the university to the Student Financial Assistance Management Section of the Education Bureau by mail or other effective means within 20 days after the report. In case of special circumstances, you should take the initiative to contact the Student Financial Assistance Management Section of the Education Bureau. If the student financial assistance management department of the Education Bureau does not receive the receipt within 30 days after registration (no later than 65438+1October 30), it is deemed that the student has cancelled the loan application. The receipt attached to this contract is an important document under this contract. I would like to remind all students to send it by registered mail if conditions permit. (VI) Loan Issuance and Payment According to the contract, the Postal Savings Bank will issue loans on the date agreed in the contract and wire the loan funds to the designated account of the borrower's university. (VII) Repaying the loan After graduation, students and borrowers are responsible for timely and fully depositing the funds into personal accounts as agreed in the loan contract; The agent settlement bank deducts the corresponding amount from the student's personal account according to the deduction schedule provided by the district funding center.
Verb (abbreviation of verb) reminds you specially.
(a) the borrower should carefully read the text of the contract and earnestly fulfill the obligations of the borrower. (two) the relevant national policies are adjusted, according to the new policy. (3) China Development Bank and capital centers at all levels have the right to publish and use the borrower's personal information and the borrower's loan default information in accordance with relevant regulations without the consent of the borrower; (4) The borrower's personal information and the borrower's loan default information will be entered into the personal credit information system of the People's Bank of China, and the bad credit record will have a far-reaching impact on the personal life and work in the future. (five) after the borrower repays the loan, it should check the accounts with the student financial assistance management department of the Municipal Education Bureau and the handling bank in time to prevent problems.
Edit paragraph 6. Matters needing attention in the application materials are arranged as follows:
1. Apply for a national student loan: (1) The reasons for the application should include the family's financial situation, not too simple, but be sincere. (2) The written content cannot contradict the content in other materials. (2) The application cannot be changed. 2. Questionnaire for College Students and Families: (1) The handwriting of this questionnaire cannot be changed, wiped or added. (2) It must be filled in with a carbon pen or a black signature pen. (3) build the official seal of the civil affairs department. The official seal of the civil affairs department must have the words of civil affairs (such as Civil Affairs Bureau and Civil Affairs Office), and the business seal is invalid. Note: If the local civil affairs department is revoked for some reason and changed into the Social Affairs Department, it can be stamped with the seal of the Social Affairs Department, but at the same time, the local government (at or above the township level) should issue an explanation of this situation. (4) The names of the loan students themselves and their parents must be exactly the same as those on their respective ID cards. (5) The poverty certificate shall indicate the specific population of the family. If the family population includes grandparents, and the father or mother of the loan student is an only child, an only-child certificate must be provided. If the parents are not only children, the alimony shared by the parents shall be calculated as family expenses. Married brothers and sisters are generally not included in the family population. Grandparents had better not be included in the family population. (6) The average monthly income of families is lower than that of 350 yuan. If brothers and sisters are counted in the family population, if they have income, their income should be counted. (7) The population in the questionnaire should be consistent with the population in other data and should not be inconsistent or confused. (8) If the parents are divorced, the names of both parents should be filled in the questionnaire. 3. Copy of father's and mother's ID cards: (1) If the ID card is invalid, a copy of the household registration book (with the parent's ID number) can be used instead of stamping the fresh stamp of the police station. (2) If the parents are divorced, provide the parents' divorce agreement (or court judgment) and a copy of both parents' ID cards. Note: If the content of child support in the divorce agreement or court judgment is inconsistent with the actual support, it should be indicated in the corresponding documents. (3) If one parent (or both parents) dies, the deceased shall be indicated in the poverty certificate, and the death certificate shall be issued by the police station and stamped with a fresh seal. The death certificate shall at least include the following contents: the father or mother of xxx (the name of the borrower) died on X, X, X, and finally the public security organ shall affix the special seal for household registration of the police station. 4. Copy of student ID card and copy of student ID card: The copy of student ID card should be stamped with the seal of student financial assistance center. (handled by the Student Affairs Office) 5.2 Copy of the ID card of the witness: 2 The witness 1 is a school teacher and 1 is a school classmate. 6. Student banks under the age of 18 will not grant loans. 7. Employment certificate and low guarantee are not necessary materials to apply for a loan, but it will be easier to apply for a loan if the above documents are provided. 8. For students who have already applied for a credit card, the bank will not grant loans unless the following conditions are met: the credit card issuer issues a certificate that "income proof and guarantee are not required for applying for a credit card, and the data record in the bank credit information system is incorrect". 9, China Agricultural Bank and other banks to provide national student loans to implement an application, issued year by year. Each student has only one loan opportunity, that is, students who have successfully obtained loans may not apply again. 10, all materials shall not be faxed. 1 1. All copies (except the ID card copy) must be stamped with the red seal of the corresponding authority. Remarks: 1. All materials need A4 paper, and materials other than A4 paper can be pasted on A4 paper. 2. Each copy should be clear. 3. Writing should be neat and standardized, and written with carbon ink or black pen. 4. The seal on each material must be clear. All forms should be consistent, not contradictory.
Edit this section of the seven, 20 10 years around the student loan dynamics.
Chengdu
On the 24th, it was learned from Chengdu Education Bureau that the Municipal Education Bureau, together with Sichuan Branch of China Development Bank and Chengdu Rural Commercial Bank Co., Ltd., will implement a "student-origin credit student loan" for students with financial difficulties whose household registration is in our city to help them enter colleges and universities smoothly and complete their studies normally. It is reported that those who meet the requirements can start to apply for student-origin credit student loans.
Shandong (province)
Candidates from Shandong Province who take part in the national unified college entrance examination and are admitted to full-time colleges and universities in Shandong Province are in financial difficulties, and their parents or legal guardians can apply for national student loans at the rural credit cooperatives where they are registered with their household registration books, identity cards, certificates of financial difficulties issued by the civil affairs departments where they are registered, and relevant school certificates. Since the beginning of this year, there have been many new changes in the credit student loans of Shandong students' origin: First, all students apply online, and the online application time is from July 20 to September 20; Second, the disbursement of funds is handled by Alipay, no longer through the Postal Savings Bank, and there is no need to open an account in the Postal Savings Bank; Three, the loan contract text will adopt a new version, the 2009-2065 438+00 school year loan contract text stopped using, by the local county (city, district) student financial assistance management center is responsible for. Student-origin credit student loan was officially launched in 2008. It is aimed at freshmen who have been officially admitted to full-time undergraduate colleges, higher vocational colleges and junior colleges (the list of schools is subject to the announcement of the Ministry of Education) or undergraduates, postgraduates and second bachelor's degree students who are studying in colleges and universities. Students should go through the loan formalities at the county (city, district) where their household registration is located before entering school. Students and parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment. Each borrower can apply for a loan of up to 6,000 yuan per year, and the longest repayment period can reach 14 years. Students' interest during school is paid by the full financial discount, and the interest after graduation is borne by the students and their parents (or other legal guardians).
Gansu
At present, the national student loan for students in Gansu Province can be up to 6,000 yuan per student per year, and the longest loan period is 10 year. College students require repayment within 2 years after graduation and repayment within 6 years. For graduate students, the loan period can be extended accordingly.
Fujian Province
Starting from this year, students' credit student loans have been fully implemented in colleges and universities in all counties (cities, districts) of Fujian Province, and they have been promoted simultaneously with students' national student loans, complementing each other. Therefore, Fujian Province actively innovates the operation system, stipulating that all the interest of loan students during their school days will be subsidized by the finance, so as to realize full coverage and wide benefit of student loans.
Jiangxi
Student-origin credit student loan in Jiangxi Province is a national student loan issued by China Development Bank and other financial institutions to eligible freshmen and students with financial difficulties in colleges (including full-time undergraduate colleges, vocational colleges and junior colleges), which is handled at the place where the students are registered before entering school. Student loans are credit loans, and students and their parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment.
Qinghai
It is understood that in 2008, due to the late start-up time and low awareness rate, the number of students in Qinghai Province was only 14 18, and the loan amount was more than 7.2 million yuan. In 2009, due to the strong publicity and full preparation in our province, the number of borrowers surged to 10655, and the loan amount was 526 10000 yuan. This year, the number of new people reached 8,000, and the loan amount was close to 80 million yuan.
Head wrapper
Recently, it was learned from Baotou Student Financial Assistance Management Center that this year's student-origin credit loan in Baotou will be accepted from July 20th.
Ziyang
In the past, all kinds of student loans can only be processed after students enter the university, while student-origin credit student loans can be obtained before college students enter the university. Student-origin credit student loans refer to student loans issued by banks and financial institutions to eligible freshmen in colleges and universities and students with financial difficulties, which are handled in the counties (cities, districts) where the students are registered before entering school. It is mainly used to solve the tuition and accommodation problems of students during their school days.