It refers to the policies and measures formulated by commercial banks to guide the loan business in order to achieve their business objectives, and it is also the specific policies and measures for commercial banks to implement the three principles of safety, liquidity and profitability. The purpose of commercial banks' loan policy is to ensure the coordination of their business activities.

Loan policy is the general principle guiding every loan decision. The ideal loan policy can support banks to make correct loan decisions and help banks to operate; Secondly, it is to ensure the quality of bank loans. The correct credit policy can keep the bank's credit management at an ideal level, avoid excessive risks and properly choose business opportunities.

The maximum amount of compensation for tuition fees and national student loans per student per academic year is no more than 6000 yuan. If the actual tuition fee paid or the national student loan obtained during the school study period is less than 6000 yuan, compensation or compensation shall be made according to the actual tuition fee paid or the amount of the national student loan obtained. If the actual tuition fee paid each year is higher than 6000 yuan, compensation or compensation shall be made according to the amount of 6000 yuan per year.

The number of years for undergraduate, junior college (higher vocational), graduate and second bachelor's degree graduates to compensate tuition fees or national student loans shall be calculated according to the corresponding educational system stipulated by the state. If the study time in school is less than the corresponding length of schooling, the compensation tuition fee or the compensation student loan period shall be calculated according to the actual study time. If the study time in school is longer than the corresponding length of schooling, it shall be calculated according to the length of schooling.