(1) National student loans are applicable to full-time students in higher education institutions (hereinafter referred to as: schools) in the People's Republic of China (excluding Hong Kong Special Administrative Region, Macao and Taiwan) who are in real financial difficulties. Undergraduate and junior college students.

(2) National student loans are aimed at helping students with real financial difficulties in schools to pay their tuition fees and daily living expenses during school. They use financial means to support education and help students with financial difficulties complete their studies. form.

(3) Industrial and Commercial Bank of China is a national student loan agency approved by the People’s Bank of China. The specific management measures for national student loans shall be formulated by the Industrial and Commercial Bank of China and shall be implemented after approval by the People's Bank of China.