National student loans follow the principle of "financial discount, risk compensation, credit granting, earmarking and repayment on time".
Full-time college students (including vocational college students), second-degree students and graduate students with financial difficulties in their families apply to the handling bank for a national student loan through the student financial assistance department of our school.
1. Application conditions
Full-time undergraduate students (including vocational college students), second-degree students and graduate students in ordinary colleges and universities can apply for national student loans if they meet the following conditions:
① Family financial difficulties;
② People with Chinese nationality, who have reached the age of 16, must hold Chinese identity cards;
③ Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);
④ Honest and trustworthy, law-abiding, no violation of laws and regulations;
⑤ study hard and finish your studies normally.
2. Application materials
Students apply for a loan from the bank through the school after the new school year starts. The following materials need to be provided:
① application for national student loan;
② Copy of my student ID card and resident ID card (the minor provides the valid identity certificate of the legal guardian and the written consent to apply for a loan);
③ my explanation of the family's financial difficulties;
④ a certificate of family financial difficulties issued by the relevant department where the student's family is located.
3. Application amount
The maximum amount of undergraduate students per year is 8, yuan, and the maximum amount of graduate students per year is 12, yuan.
Legal basis
Provisions on the Administration of National Student Loans (Trial)
In order to promote the development of education, according to the relevant provisions of the People's Bank of China and China, the Commercial Bank Law of China, the People's Republic of China and the Education Law of China, relevant matters concerning the implementation of national student loans are now implemented.
(2) The national student loan is an important form to help students with financial difficulties to pay their tuition and daily living expenses during their school days, and to support education by financial means and help students with financial difficulties to complete their studies.
(3) China Industrial and Commercial Bank is the national student loan handling bank approved by the People's Bank of China. The specific measures for the administration of national student loans shall be formulated by the Industrial and Commercial Bank of China and implemented after being approved by the People's Bank of China.