I. Application and Approval of National Student Loan (September-10)
1. Students submit a written application for national student loans and submit relevant materials for applying for national student loans (early September);
2. The secondary college shall review the written loan application materials, determine the loan qualification and publicize it (mid-September);
3. The secondary college organizes students to fill in the approval form and apply online, and after online review (in late September), it will be summarized and reported to the loan center;
4. The student loan center reviews the online application, and reports it to the student financial assistance center after statistical summary (65438+1early October);
5. Loan students receive credit education in loan application (65438+1late October);
Two. Contract signing (165438+1mid-October)
1. The student loan center organizes secondary colleges to carry out training in filling out loan contracts and other materials;
2. The student loan office organizes students to fill in loan contracts and other materials;
3. Loan students fill in loan materials, sign loan contracts and activate Alipay accounts and real-name authentication;
4 student loan center to summarize the contracts signed by students, and report to the bank.
Three. National student loan issuance (165438+1late October)
1. The National Development Bank lends money to the account of the provincial student loan center according to the signing of the contract;
2, the provincial student loan center loans to the student loan Alipay account, and debits from the student account to the school charging account;
3. If there is a balance after the tuition fee is withheld by the national student loan, the financial department of the school will return the student tuition account.
4. The loan center organizes and establishes student credit files.
Four. Application conditions
Full-time college students (including vocational college students), second bachelor's degree students and graduate students in ordinary colleges and universities may apply for national student loans if they meet the following conditions:
(1) Family financial difficulties;
(2) Persons with China nationality and 16 years of age or older must hold Chinese identity cards;
(3) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);
4. Honest and trustworthy, law-abiding, no illegal behavior;
⑤ Study hard and you can finish your studies normally.
Verb (abbreviation of verb) application materials
After the start of the new school year, students apply for loans from banks through schools. The following materials are required:
(1) national student loan application;
(2) A copy of my student ID card and resident ID card (the minor provides a valid identity certificate of the legal guardian and a written opinion agreeing to apply for a loan);
(3) my explanation of the family's financial difficulties;
(4) Proof of family financial difficulties issued by the relevant department where the student's family is located.
Legal basis:
Detailed Rules for the Operation of National Student Loan of Bank of China Article 2 National student loan refers to the student loan that the lender issues to the borrower at a discount from the central or local finance for the tuition and fees, accommodation fees and living expenses required by the borrower to study in domestic universities.
Detailed Rules for the Implementation of the National Student Loan Operation of Bank of China Article 3 The term "lender" as mentioned in these Measures refers to the domestic branches of China Bank (excluding Hong Kong and Macao branches); Borrowers refer to full-time undergraduates, junior college students (including higher vocational students), graduate students and second-degree students studying in China; Institutions of higher learning refer to ordinary institutions of higher learning that apply for national student loans as recognized by the administrative department of education.