Legal analysis: Student-origin student loan is a student loan to help students with financial difficulties pay for tuition and accommodation during their studies at school. Student-origin student loans can be distributed to schools in other provinces. Student-origin credit student loan refers to the student loan issued by financial institutions such as China Development Bank to eligible freshmen and students with financial difficulties. Students and their parents (or other legal guardians) apply to the county (urban area) student financial aid management center or financial institution where the students attend to help the students with financial difficulties pay the tuition and accommodation fees required during their study at school. Student-origin credit loan is a credit loan, which does not need guarantee and mortgage. The students and their parents (or other legal guardians) are co-borrower, who are jointly responsible for repayment.

Legal basis: Regulations on the Administration of Credit Information Industry

Fifteenth information providers to provide personal bad information to credit reporting agencies, should inform the information subject in advance. However, bad information disclosed in accordance with laws and administrative regulations is excluded.

Article 44 The meanings of the following terms in these Regulations:

(1) Information providers refer to units and individuals that provide information to credit reporting agencies and units that provide information to the basic database of financial credit information.

(2) Information users refer to units and individuals that obtain information from credit reporting agencies and basic databases of financial credit information.

(3) Bad information refers to the following information that has a negative impact on the credit status of the information subject: information that the information subject fails to perform its obligations in accordance with the contract in activities such as borrowing, buying on credit, guaranteeing, leasing, insurance and using credit cards; information that the information subject is subject to administrative punishment; information that the people's court judges or orders the information subject to perform its obligations and enforce them; and other bad information as stipulated by the supervision and administration department of the State Council credit information industry.