1, loan application

The borrower shall apply for a loan to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where his domicile is located (hereinafter referred to as the "County Financial Assistance Center"), fill in the loan application form and provide the following materials:

(1). The borrower and the original and photocopy of the borrower's household registration book;

(2) The original and photocopy of the borrower and the borrower's identity card (or valid identity certificate);

(3). Student identity certificate. Freshmen with university admission notice and its copy; Students should show their student ID card and the proof of the borrower's source of life issued by the borrower's university.

2. Contract signing

① The local financial aid center examines the application materials →→→→→→→ The local financial aid center instructs the borrowing students to open a personal account in the handling bank →→→→→→→→ The local financial aid center issues the receipt of the student credit loan contract.

3. Contract receipt

① Borrowing students bring the contract receipt to the school → ② The school goes through the formalities according to the requirements of the contract receipt → ③ The students themselves send the contract receipt back to the student's county-level financial aid center → ④ The local financial aid center prepares a summary table and submits it to the provincial student financial aid management center → ⑤ The provincial financial aid management center submits it to the handling bank for review.

4. Lending

① The handling bank transfers the loan funds to the borrower's personal account→→→→ ② The loan funds are transferred from the personal account to the tuition account of the borrower's school.

5. Contract change

After the signing of the loan contract, if the borrower needs to change the personal account name or account number, or the borrower cannot repay the loan according to the repayment plan agreed in the loan contract due to reasons such as continuing his studies or dropping out of school, the contract can be changed upon the borrower's own application and the approval of the county-level funding center. In principle, the adjustment of the repayment plan can only be carried out within the loan period agreed in the contract and cannot be extended.