(2) The national student loan is an important form to help students with financial difficulties pay tuition and daily living expenses during school, support education by financial means, and help students with financial difficulties complete their studies.
(3) China Industrial and Commercial Bank is a 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.
(IV) In order to ensure the smooth implementation of the national student loan system, the Ministry of Education, the Ministry of Finance, the People's Bank of China and the Industrial and Commercial Bank of China form an inter-ministerial coordination group for national student loans (hereinafter referred to as the inter-ministerial coordination group). The Ministry of Education established the National Student Loan Management Center as the daily office of the inter-ministerial coordination group. All provinces, autonomous regions and municipalities directly under the Central Government should set up corresponding coordination bodies and management centers.
(5) The Inter-Ministerial Coordination Group is mainly responsible for coordinating the relationship between education, finance, banking and other departments and schools, formulating the national student loan policy, and determining the annual national student loan guiding plan for schools affiliated to the central ministries and commissions. Among them, the Ministry of Education is mainly responsible for studying relevant policies on how to use student loans in conjunction with relevant departments according to the development of national education; The Ministry of Finance is mainly responsible for raising and allocating discount funds for national student loans of schools affiliated to the central ministries and commissions (including repayment funds for loans for poor students), and supervising the use of discount funds; The People's Bank of China is mainly responsible for determining the national student loan handling bank, approving relevant measures and supervising the loan implementation according to relevant national policies; The handling bank is responsible for the approval, issuance and recovery of loans.
(VI) The National Student Loan Management Center is responsible for receiving and reviewing the loan application report submitted by the schools affiliated to the central ministries and commissions according to the annual national student loan guidance plan determined by the inter-ministerial coordination group, verifying the loan application amount of each school and sending a copy to the head office of the handling bank; Unified management of the national student loan discount funds allocated by the Ministry of Finance for schools affiliated to the central ministries and commissions, accepting educational donations from home and abroad, expanding the sources of discount funds, and depositing them in the special account of discount funds in the handling bank; According to the number of national student loans and loans for poor students issued by the handling bank, the discount interest funds will be allocated to the handling bank quarterly; Sign a national student loan management agreement with the head office of the handling bank; Provide relevant information to the handling bank; Assist the handling bank to supervise and manage the issuance and use of national student loans, and assist the handling bank to recover and collect national student loans on schedule; To guide the work of student loan management centers in various regions; Handle other matters assigned by the inter-ministerial coordination group.
(seven) the national student loan coordination agencies of all provinces, autonomous regions and municipalities directly under the central government shall lead the national student loan work in their respective administrative areas according to the relevant policies determined by the inter-ministerial coordination group; Responsible for coordinating the relationship between education, administration, banking and other departments and schools within their respective administrative areas; Put forward the annual guidance plan of the national student loan to the schools affiliated to this administrative region.
(8) The student loan management centers of all provinces, autonomous regions and municipalities directly under the Central Government are the daily offices of the national student loan coordination agencies within their respective administrative areas. According to the annual national student loan guidance plan determined by the administrative regional coordination agencies, they receive and review the loan application reports submitted by schools, verify the loan application amount of each school, and send a copy to the handling bank at the same level; Unified management of the loan discount funds allocated by local finance and the funds needed for poor students to repay loans, and deposit the discount funds into the special account of the handling bank; According to the number of national student loans and loans for poor students issued by the handling bank, the discount interest funds will be allocated to the handling bank quarterly; Sign a national student loan management agreement with relevant local handling banks; Provide relevant information to the handling bank; Assist the handling bank to supervise and manage the issuance, use and recovery of loans, and be responsible for assisting the handling bank to collect loans; Handle other related matters assigned by the coordination agency at the same level.
(nine) each school should designate a specialized agency to manage the national student loan work of the school, and be responsible for the preliminary examination of the qualifications of students applying for loans; Submit the annual loan application report of the whole school to the student loan management center on schedule; According to the loan application amount approved by the student loan management center, submit the student loan application after preliminary examination to the handling bank; Sign a national student loan management agreement with the handling bank; Assist the handling bank to organize the issuance and recovery of loans, and be responsible for assisting the handling bank to collect loans; Timely statistics and provide students with changes (including students' employment, further education, transfer, dropout, etc.). ) and the actual issuance of national student loans to higher-level student loan management centers and related handling banks; Handle other matters assigned by the student loan management center.
(ten) the national student loan handling bank accepts the supervision of the People's Bank of China, and is responsible for formulating the specific management measures for the national student loan according to the national credit policy; Examining the application reports of students' personal loans submitted by various schools and other relevant materials, and deciding whether to grant loans according to the loan conditions; Specifically responsible for the issuance and recovery of loans; Have the right to decide whether to issue a new national student loan according to the loan recovery and the cooperation between the student loan management center and the school in loan collection.
(eleven) the national student loans issued by the handling bank belong to commercial loans and are included in the normal loan management.
(twelve) the national student loan shall be managed by the annual application of students and the annual examination and approval of the handling bank.
(thirteen) the handling bank is responsible for determining the specific amount of the national student loan, in which: the amount used for tuition does not exceed the tuition fee collection standard of the borrower's school; The maximum amount used for living expenses shall not exceed the basic living expenses standard of the school area.
(fourteen) students applying for national student loans must have a guarantee approved by the handling bank, and the guarantor shall conclude a guarantee contract with the handling bank.
(fifteen) students who are really unable to provide guarantee and have special financial difficulties can apply for loans for poor students. Loans for poor students are proposed by the school, reported to the superior student loan management center for approval, and the handling bank handles the loan procedures according to relevant regulations.
(16) The handling bank examines and approves the national student loan, and feeds back the list of students who have examined and approved the loan and the amount of the loan to the corresponding student loan management center and school, and the school reports it to the superior student loan management center for the record, and cooperates with the handling bank to strengthen loan management.
(seventeen) the national student loan handling bank shall determine the term of each loan according to the student's application.
(eighteen) the national student loan interest rate is implemented according to the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies.
(nineteen) in order to reflect the preferential policies of the state for students with financial difficulties and reduce the burden of repayment, the financial department gives discount to students who accept national student loans. 50% of the interest on loans borrowed by students is subsidized by the government, and the remaining 50% is borne by the students themselves. The financial department shall allocate loan discount funds to the student loan management center on schedule according to the regulations every year.
(20) The state encourages all sectors of society to provide student loan guarantees and interest subsidies to students with financial difficulties in various forms.
(twenty-one) the principal and interest of loans borrowed by students must be paid off within four years after graduation. In order to ensure the recovery of the national student loan, students must reconfirm or change the loan contract with the handling bank before graduation, and go through the corresponding guarantee procedures. After this procedure is completed, the school can go through the graduation formalities for students.
(twenty-two) during the loan period, students who study or settle abroad must pay off the principal and interest of the loan before going abroad, and the relevant departments can go through the formalities of going abroad; Students who need to transfer shall go through the transfer formalities at their school and the handling bank, and handle the transfer of student loan debt with the proposed transfer school and the corresponding handling bank, or after the students pay off the principal and interest of the borrowed loan; For students who drop out of school, are expelled or die, their school must assist the relevant handling bank to collect the principal and interest of student loans before going through the corresponding procedures.
(twenty-three) the part of the loan for poor students that cannot be recovered due shall be repaid by the school and the student loan management center (including: 60% by the school and 40% by the student loan management center). The loan repayment funds required by the school are charged in the school tuition income; The loan repayment funds required by the student loan management center are earmarked in the discount funds approved by the financial department.
(twenty-four) students can not repay the loan principal and interest on schedule, according to the relevant provisions of the people's Bank of China penalty.
(25) For graduates who have not paid off the national student loan, the receiving unit or work unit has the obligation to assist the handling bank to collect the loan on schedule, and inform the handling bank in advance when their work changes; The handling bank has the right to recover the loan owed from its current work unit and the original work unit.