Student-origin credit loan of China Development Bank (hereinafter referred to as student-origin loan) is suitable for students with financial difficulties whose household registration is in provinces and cities where student-origin loans have been opened. One of the parents (legal guardians) of the student constitutes the co-borrower of the student-origin student loan. (1) The recipients of student loans must meet the following conditions: 1. Have People's Republic of China (PRC) nationality; 2. Honest and trustworthy, law-abiding; 3. Freshmen or college students who have been officially admitted to full-time ordinary colleges, higher vocational schools and junior colleges that have been approved to set up higher education in accordance with the relevant provisions of the state, and have obtained a true, legal and effective admission notice; 4 students' pre-school household registration and their parents' (or other legal guardians') household registration in this city, county (city, district); The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies at school. Note: The identification of students from poor families in 2008 was completed by local education departments before the end of June this year. Freshmen applying for this year's student source credit loan and old students studying in colleges and universities in the province have been included in the list. For details, please consult the Student Financial Assistance Management Section of the Education Bureau of your county (city, district). (2) co-borrower and co-borrower are mainly the parents (or legal guardians) of the borrowing students. If the borrower is an orphan and cannot appoint a guardian, it can be a natural person, including a close relative, who voluntarily shares the repayment responsibility with the borrower, has full capacity for civil conduct, is under 60 years of age, has no bad credit record and has a local household registration. Edit this paragraph II. Loan amount, term and interest rate (I) Loan amount The loan amount shall not exceed 6,000 yuan per person per academic year, which is an integer between 1 1,000 and 6,000. In principle, it is used for student tuition and accommodation. College students who obtained national student loans in those years may not apply for student-origin credit student loans at the same time. (II) Term of Loan In principle, the loan term shall be determined according to the years of full-time undergraduate education (the remaining years of students in school) plus 65,438+00 years, and the loan term shall not exceed 65,438+04 years. Two years after graduation from the normal academic system, students begin to repay the loan principal in installments according to the loan contract. The grace period is two years after students are in school and graduate. After the grace period is over, students and parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract. Borrowing students who have studied for more than 4 years and continue to pursue higher degrees (including the second bachelor's degree) will have their principal and interest repayment period shortened after graduation. (III) Loan Interest Rate The benchmark interest rate of RMB loans announced by the People's Bank of China at the time of loan issuance is adjusted once a year from the date of loan issuance, with June 65438+February 2 1. The adjusted interest rate is the benchmark interest rate for loans of the same grade in the same period announced by the People's Bank of China on the date of adjustment. Student loans charge interest every year. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians). (IV) Discount Policy According to the relevant provisions of the national student loan, during normal schooling, the interest on the student loan is fully subsidized by the finance in principle. After graduation, the student's loan interest shall be borne by the borrower. 1. Interest. The interest on students' loans at school is fully subsidized by the finance. Among them, the discount on enrollment of colleges and universities directly under the central government is borne by the central finance. Students admitted to local colleges and universities who study across provinces are subsidized by the central government; Studying in this province, the loan discount shall be borne by the local finance. After graduation, the interest will be borne by the students and their parents (or other legal guardians). 2. Risk compensation. Establish a special fund for risk compensation of student-origin credit student loans, and the risk compensation ratio shall be determined according to 15% of the loan amount in the current year. 3. Discounted interest and risk compensation management. Interest subsidies and risk compensation paid by the central and local governments are collected by the National Student Financial Assistance Management Center and provincial student financial assistance management centers. 65438+ Before February 20th every year, it shall be paid in full and on time to the handling bank that provides credit loans to students' origin, and the handling bank shall implement special account management, which is mainly used to make up for loan default losses and other expenses that are conducive to preventing risks and strengthening management. Edit the third paragraph. Application materials (1) loan certification materials 1. Freshmen enrolled in 2009 and provincial and municipal universities that have opened student loans for provincial and municipal students. The qualification of students from poor families has been completed in advance by the local education department. Students who have passed the pre-application examination must be certified by the graduated middle school or university to provide students with student-origin student loans for provincial and municipal students. 2 students from other provinces and cities have started student loans from other provinces and cities, and must provide loan certificates from their universities. (2) Identification materials 1. Original and photocopy of the ID card and household registration book of the Borrower and co-borrower (the guardian can also use the military officer's card or the armed police card as valid documents); 2. Admission notice or student ID card. The original and photocopy of the new student's admission notice and the original and photocopy of the current student's ID card; Edit the fourth paragraph. Application and handling procedures (1) loan acceptance department The student financial assistance management department of the Education Bureau of the county (city, district) to which the borrower belongs. (II) Preparation Materials After the above poverty proof materials, identity proof materials and passbook of the Postal Savings Bank are prepared, they shall register with the student financial assistance management department of the Education Bureau of the county (city, district) and receive the Application Form for Student Credit Loan of China Development Bank (hereinafter referred to as the application form). The borrower needs to fill in the application form and affix a complete seal. (III) Material Review The borrower and co-borrower personally go to the Student Financial Assistance Management Section of the Education Bureau of the county (city, district) to receive the registration form, issue two identification materials (including the borrower's ID card and co-borrower copy, student ID card or admission notice, household registration book), and use the application form and postal account number. The staff of the Student Financial Assistance Management Section of the County Education Bureau reviewed the materials. (IV) The borrower who signed this contract and co-borrower himself signed the Loan Contract for Student Credit Loan of China Development Bank, signed the loan contract and authorized Postal Savings Bank to deduct the loan principal and interest from the above account. In particular, please fill in the passbook account number in the contract, and the account number must be filled in accurately. If the loan cannot be remitted due to the wrong filling, the responsibility shall be borne by the student himself. (5) Return the receipt of the contract. After the loan contract is signed, students can report to the university with the contract. Within 20 days after the report, the receipt of the contract confirmed by the seal of the university will be sent to the Student Financial Assistance Management Section of the Education Bureau by mail or other effective means. In case of special circumstances, you should take the initiative to contact the Student Financial Assistance Management Section of the Education Bureau. If the student financial assistance management department of the Education Bureau does not receive the receipt within 30 days after registration (no later than1October 30 10), it is deemed that the student has cancelled the loan application. The receipt attached to this contract is an important document under this contract. Please remind all students to send it by registered mail if possible. (VI) Loan Issuance and Payment According to the contract, the Postal Savings Bank will issue loans on the date agreed in the contract and wire the loan funds to the designated account of the borrower's university. (VII) Repaying the loan After graduation, the student and co-borrower are responsible for fully depositing the funds into their personal accounts on time according to the loan contract; The settlement bank will deduct the corresponding amount from the student's personal account according to the deduction schedule provided by the district funding center. Edit this paragraph V. Special reminder (1) The borrower should carefully read the contract text and earnestly fulfill the obligations of the borrower. (2) If the relevant national policies are adjusted, the new policies shall prevail. (3) China Development Bank and capital centers at all levels have the right to publish and use the borrower's personal information and the borrower's loan default information in accordance with relevant regulations without the consent of the borrower; (4) The borrower's personal information and the borrower's loan default information will be entered into the personal credit information system of the People's Bank of China on the national network, and the bad credit record will have a far-reaching impact on the individual's future life and work. (5) After repayment, the borrower should check the accounts with the student financial assistance management department of the municipal and county education bureaus and the handling bank in time to prevent problems. Edit paragraph 6. Matters needing attention in the application materials are arranged as follows: 1. Application Form for National Student Loan: (1) The reasons for application should include the family's financial situation, not too simple, but should be written sincerely. (2) The written content cannot contradict the content in other materials. (2) The application cannot be changed. 2. Questionnaire for College Students and Families: (1) The handwriting in this questionnaire cannot be altered, erased or added. (2) It must be filled in with a carbon pen or a black signature pen. (3) build the official seal of the civil affairs department. The official seal of the civil affairs department must have the words of civil affairs (such as Civil Affairs Bureau and Civil Affairs Office), and the business seal is invalid. Note: If the local civil affairs department is revoked for some reason and changed into a social affairs office, it can be stamped with the seal of the social affairs office, but at the same time, the local government (at or above the township level) should issue an explanation of this situation. (4) The names of the loan students themselves and their parents must be exactly the same as those on their respective ID cards. (5) The poverty certificate shall indicate the specific population of the family. If the family includes grandparents, and the father or mother of the loan student is an only child, the one-child certificate must be provided. If the parents are not only children, the grandparents' alimony shared by the parents should be calculated as family expenses. Married brothers and sisters are generally not included in the family population. Grandparents should not be included in the family population. (6) The average monthly income of families is lower than that of 350 yuan. If brothers and sisters are counted in the family population, if they have income, their income should be counted. (7) The population in the questionnaire should be consistent with the population in other data, and should not be inconsistent and confused. (8) If the parents are divorced, the names of both parents should be filled in the questionnaire. 3. Copy of father's and mother's ID cards: (1) If the ID card has expired, it can be replaced by a copy of my household registration page (with the parent's ID number) stamped with the fresh stamp of the police station. (2) If the parents are divorced, provide the parents' divorce agreement (or judgment) and a copy of the parents' ID card. Note: If the content of child support in the divorce agreement or judgment is inconsistent with the actual support, it should be indicated in the corresponding documents. (3) If one parent (or both parents) dies, the deceased shall be indicated in the poverty certificate, and a death certificate with fresh seal shall be issued by the police station. The death certificate shall at least include the following contents: xxx (the borrower's name)' s father or mother died on X, X, X, and finally the public security organ shall affix the special seal for household registration of the police station. 4. Copy of student ID card and copy of student ID card: The copy of student ID card should be stamped with the seal of student financial assistance center. (handled by the Student Affairs Office) 5.2 Copy of witness ID card: two witnesses, one is a school teacher and the other is a school classmate. 6./kloc-student banks under the age of 0/8 do not lend. 7. Employment certificate and low guarantee are not necessary materials for applying for a loan, but it is easier to apply for a loan if the above materials are provided. 8. For students who have already applied for a credit card, the bank will not lend money unless the following conditions are met: the credit card issuing bank issues a certificate that "no income certificate is needed, no guarantee is needed, and the data record of the bank credit information system is incorrect". 9, China Agricultural Bank and other banks to provide national student loans to implement an application, issued year by year. Each student has only one loan opportunity, that is, students who have successfully obtained loans cannot apply again. 10. All materials shall not be faxed. 1 1. All copies (except the ID card copy) must be stamped with the red seal of the corresponding authority. Remarks: 1. All materials need A4 paper, and materials that are not A4 paper can be pasted on A4 paper. 2. Each copy should be clear. 3. The handwriting should be neat and standard, with carbon ink or black pen. 4. The seal on each material must be clear. All forms should be consistent, not contradictory.

What is a student-origin loan?

Student-origin student loan (full name of student-origin credit student loan): refers to the student loan issued by financial institutions such as China Development Bank to eligible freshmen in colleges and universities and students with financial difficulties (hereinafter referred to as students). Students and their parents (or other legal guardians) apply to the county (urban area) student financial aid management center or financial institution where the students attend to help the students with financial difficulties pay the tuition and accommodation fees required during their study at school. Student-origin credit loan is a credit loan, which does not need guarantee and mortgage. The students and their parents (or other legal guardians) are co-borrower, who are jointly responsible for repayment. Application conditions: The applicant of the Student Source Credit Student Loan of China Development Bank (hereinafter referred to as Student Source Loan) is a poor family student whose household registration is in the provinces and cities where the Student Source Loan has been opened. Students and one of their parents (legal guardian) form a student loan co-borrower. (1) The object of student-origin student loan support must meet the following conditions: (1) Having People's Republic of China (PRC) nationality; Honest and trustworthy, law-abiding; According to the relevant provisions of the state, freshmen or college students who have been approved to set up full-time ordinary colleges, higher vocational schools and colleges to implement higher education are officially admitted, and have obtained a true, legal and effective admission notice; Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district); The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies during school. Note: The survey of students from poor families in the 20th12nd senior high school graduating class was completed by local education authorities before the end of May this year. Freshmen applying for this year's student source credit loan and old students studying in colleges and universities in the province have been included in the list. For details, please consult the Student Financial Assistance Management Section of the Education Bureau of your county (city, district). (2) co-borrower co-borrower is mainly the parents (or legal guardians) of the borrowing students. If the borrower is an orphan and cannot appoint a guardian, it can be a natural person, including a close relative, who voluntarily shares the repayment responsibility with the borrower, has full capacity for civil conduct, is under 60 years of age, has no bad credit record and has a local household registration.

What is a student-origin loan?

1. Student-origin student loan refers to the student-origin student loan issued by China Development Bank, which is an important part of the national student loan.

2. Applicants for student-origin student loans are students with financial difficulties in provinces and cities that have started student-origin student loans.

3. Student-origin student loan Students and their parents form a co-lender of student-origin student loan, and need a guarantor or valid asset mortgage, credit user evaluation and other certificates.