The notice mentioned that in recent years, the national student loan has achieved remarkable results and played an important role in helping college students with financial difficulties to successfully complete their studies. In order to further improve the implementation effect of the national student loan policy, with the approval of the State Council, the relevant matters concerning the improvement of the national student loan policy are hereby notified as follows:
The amount and scope of national student loans
According to the notice, students apply for the national student loan amount according to the actual situation, and the loan amount of full-time undergraduate students (including second bachelor's degree, higher vocational and preparatory students, the same below) will be increased from no more than 8,000 yuan per person per year to no more than12,000 yuan; The annual loan amount applied by full-time graduate students will be increased from no more than 1.2 million yuan to no more than 1.6 million yuan. The national student loan applied by students should be used to pay the tuition and accommodation fees during the school period, and the excess can be used to make up for the daily living expenses. The national student loan undertaking bank should strengthen the review of the loan and its scope of use, and reasonably determine the amount of student loan. Colleges and universities should guide students to be thrifty, apply what they have learned, and enhance their employability and ability to serve the country and society.
Risk compensation of student-origin credit student loan
0030 10 It is planned to continue to undertake the work of student-origin credit loans by China Development Bank, and encourage other banking financial institutions to carry out student-origin credit loans.
(1) Risk compensation ratio.
The risk compensation ratio is determined by 5% of the loan amount in the current year. The proportion of risk compensation is adjusted according to the economic and social development. Risk compensation is shared by the central and local governments, and the specific sharing ratio is implemented according to the reform plan of dividing the financial affairs and expenditure responsibilities of the central and local governments in the field of education.
(2) Risk compensation management.
When the China Development Bank receives the risk compensation, it shall be recognized as deferred revenue, and the loss of credit loans in the place of origin shall be included in the current profits and losses when it is written off; The student credit loan losses that have been written off should be transferred back to deferred revenue if they are recovered later. If the risk compensation is lower than the loss of student credit loan, the insufficient part shall be borne by the National Development Bank; More than the loss of student credit loans, the excess by the National Development Bank in accordance with the provisions of the reward and return. Relevant accounting treatment shall be carried out in accordance with the unified national accounting system.
The National Development Bank shall, in accordance with the relevant provisions of the state, formulate measures for the write-off of loan losses and report them to the Ministry of Finance, the Ministry of Education, the People's Bank of China and the China Banking Regulatory Commission for the record. The Measures for the Administration of Risk Compensation shall be revised by the Ministry of Finance and the Ministry of Education according to this circular.
(3) Stock funds for risk compensation.
In accordance with the principle of accounting by province (autonomous region, municipality directly under the Central Government, cities under separate state planning, the same below), the risk compensation stock funds shall be used as a whole to pay the interest discount of student-origin credit loans that the central and local governments should bear in the following year until the risk compensation stock funds are reduced to 5% of the loan balance of the current year.
The provincial finance and education departments use 1 and 3 1 every year for the risk of the previous year.
Other banking financial institutions carry out student-origin credit student loan business, and the risk compensation is managed by provincial finance, education, people's bank, banking supervision department and financial institutions according to the actual situation, and the loss of student-origin credit student loan exceeding the risk compensation is borne by financial institutions. The risk compensation for student-origin credit loan in each province shall be borne by the central finance in accordance with 5% of the loan amount of the current year and the stipulated sharing ratio, and the part exceeding 5% shall be borne by the local finance itself. Cooperate with other banking financial institutions to carry out student credit loan business, and all provinces should strengthen communication and consultation with relevant financial institutions to ensure the smooth and orderly development of student credit loan work.
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