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The risk compensation for student loans refers to the compensation for the handling bank according to the principle of "risk sharing" and a certain proportion of the actual amount of national student loans issued in that year. The specific proportion shall be implemented in accordance with the loan cooperation agreement signed by the National Student Loan Management Center and the handling bank.
According to the administrative subordination, the special funds for risk compensation are 50% by the finance and 50% by the universities, and managed by the National Student Loan Management Center. The special funds for risk compensation of colleges and universities affiliated to the central ministries and commissions are managed by the National Student Loan Management Center, and the special funds for risk compensation of local colleges and universities are managed by the National Student Loan Management Center of all provinces, autonomous regions, municipalities directly under the Central Government and cities with separate plans.
The financial department undertakes the special funds for risk compensation, and the National Student Loan Management Center puts forward the capital demand budget according to the loan amount and risk compensation ratio, which is audited by the competent education department, incorporated into the annual departmental budget, and reported to the financial department at the same level for approval.
The difference between tuition compensation and national student loans is as follows:
1, which are different in nature. Tuition compensation is a national or regional tuition compensation policy for the poor, while national student loan is a loan facilitation policy for those who meet the conditions of student loan.
2. Whether they need to be repaid is different. Provide tuition compensation to relevant students free of charge; The national student loan needs to be repaid;
3. Other differences between tuition compensation and national student loans.