The "Green Channel" is an initiative in recent years to effectively ensure that for freshmen who have been admitted to school and have financial difficulties, if they are unable to pay tuition and miscellaneous fees due to financial difficulties after review, they will be approved to postpone the payment of tuition and miscellaneous fees and enter the school first to study. , and then the school helps these students solve their financial difficulties by applying for national student loans, work-study and other methods. The Ministry of Education stipulates that all public colleges and universities must establish a system. The "green channel" is the most direct and effective measure to ensure the smooth admission of new students from poor families in ordinary colleges and universities.

1. How to apply for national student loans through the "green channel"

The Ministry of Education, the Ministry of Finance, the People's Bank of China, and the China Banking Regulatory Commission recently issued the "On Further Improving the Work of National Student Loans" "Several Opinions on the National Student Loan Guidelines", major adjustments were made to the student loan policy, and bidding was adopted for the first time to determine the handling bank. Bank of China became the only bank that won the bid for the national student loan business for 116 centrally-affiliated universities across the country. After winning the bid, has Bank of China formulated a detailed implementation plan for national student loans in accordance with the new policy? What conditions do students have to apply for national student loans? How to apply specifically? Regarding these hot issues, the reporter interviewed the relevant person in charge of the Bank of China.

2. What are the requirements to apply for a national student loan? Bank of China: Undergraduate, junior college students (including higher vocational students), postgraduate students and second-degree students with financial difficulties studying in full-time colleges and universities in China can apply for national student loans.

Students from poor families who meet the following conditions can apply for loans:

1. Have the nationality of the People’s Republic of China and a resident certificate of the People’s Republic of China ID card;

2. Have full capacity for civil conduct (minors must provide written consent from their legal guardians);

3. Be honest and trustworthy, abide by the law, and do not violate the law. Violation of discipline;

4. Study hard and be able to complete your studies normally; due to family financial difficulties, the income you can earn during school is not enough to cover the basic expenses required to complete your studies (including tuition, accommodation fees, basic living expenses);

5. Review and approval by the school where you are located.

3. Operational procedures for applying for national student loans.

Bank of China: The entire application process is divided into six parts. Step 1: Students apply. Students apply to their school institution within the specified time, receive the "National Student Loan Application Approval Form" and other materials, fill it out truthfully and completely, and prepare relevant supporting materials and return them to the school's national student loan agency (hereinafter referred to as "school organization"). The materials to be submitted include:

(1) National student loan application approval form;

(2) Copies of my student ID card and resident ID card (minors must provide a legal guardian Valid proof of identity and written consent to apply for a loan);

(3) My explanation of the family’s financial difficulties;

(4) Township, town, and sub-district civil affairs departments and Proof from the county-level education administrative department regarding the family’s financial difficulties;

(5) Other supporting documents and information required by banks or schools.

Step 2: The school institution conducts preliminary loan review.

School institutions organize students to apply for loans within the annual borrowing quota and control ratio issued by the National Student Loan Management Center, and accept student loan applications. The school institution conducts a qualification review on the national student loan application materials submitted by students and is responsible for their completeness, authenticity, and legality. The preliminary review will be completed within 20 working days after receiving the student loan application. After this work is completed, the school organization will conduct a 5-day public announcement and correct the problematic applications. After the preliminary review is correct, the school institution will stamp the official seal on the qualified loan application for confirmation within 10 working days, notify the students of the review results, and compile the "National Student Loan Student Review Information Form" together with the application materials. And send it to the Bank of China handling agency.

Step 3: Apply to the handling bank for loan approval.

After receiving the "Information Form" and application materials submitted by the school, the handling bank will complete the review within 20 working days. If there are any errors or omissions, the school will be asked to make corrections or additions. The handling bank's review work will be completed within 15 working days after receiving the true and complete application materials submitted by the school.

Within 5 working days after all reviews are completed, the handling bank will compile a unified list of qualified loan students and send it to the school along with blank loan contracts and IOUs.

Step 4: Sign a loan contract with the student.

After the loan application is approved, the school will complete the work of organizing students to fill in and sign the loan contract and IOU within 10 working days based on the roster of borrowing students provided by the handling bank, and submit it to the handling bank. The handling bank will complete the signing within 15 working days after receiving the loan contract and IOU submitted by the school, and deliver the signed loan contract to the school within 5 working days. After the school institution receives the loan contract and IOU, it will be returned to the borrower for safekeeping within 5 days.

Step 5: Loan issuance.

The handling bank will transfer the first-year tuition, accommodation and living expenses loans to the designated account opened by the school at the handling bank within 20 working days after signing the loan contract and IOU with the borrowing student. ; Loans for tuition fees, accommodation fees and living expenses for the second and subsequent academic years will be transferred to the school's designated account within 20 working days after the start of each academic year. The handling bank will apply for a debit card or current passbook for each borrowing student, and submit the list of borrowing students and debit card number details to the school so that the school can transfer living expenses to the account on a monthly basis.

Step 6: Loan repayment.

After students use student loans to complete their studies, they should pay attention to their credit and repay the loans on time. 60 days before graduation every year, the school will organize loan students to go through the repayment confirmation procedures with the handling bank. The handling bank will send people to visit the students to explain repayment matters to the borrowing students and answer their inquiries. After graduating, student borrowers should repay the loan principal and interest on a monthly basis, but they can choose to start repaying the loan principal any month within 24 months after graduation, or they can repay the loan principal in advance. Borrowing students should authorize the handling bank in the loan contract to automatically deduct the repayable principal and interest from their personal account opened with the bank on the agreed repayment date until all loan principal and interest are repaid.

If a student borrowing money suspends, drops out, transfers to another school, goes abroad, is expelled from school, etc., the school will promptly notify the bank and require Students go to the bank to pay off their loans. After receiving notice from the school, the handling bank will stop disbursing undisbursed loans and take measures such as recovering the principal and interest of the loan in advance to handle relevant procedures for students.

In addition, students who borrow the money and continue to study for a degree after graduation can apply for loan extension. Borrowing students must submit an extension application to their original school 30 days before graduation and provide relevant proof of continuing to study for a degree. After the original school has approved the application, the handling bank will handle the extension procedures.

Within one year after graduation, borrowing students can submit an application to the handling bank to adjust the repayment plan, including adjusting the repayment method. The handling bank will accept the application and make reasonable adjustments based on the actual situation and relevant regulations. .

If students who borrow money go to study abroad after graduation, they must proactively notify the original bank and repay the loan in one go.

The handling bank will establish a loan repayment monitoring system for students who have defaulted on their loans for more than one year and have not actively contacted the handling bank. announced.