Legal analysis: 1. Students apply for loans to the bank, and submit the admission books and related basic materials that have been accepted by domestic colleges and universities; 2. The bank conducts loan investigation, review and approval according to relevant regulations; 3, the bank and the borrower signed a contract loan contract and handle the loan procedures.

legal basis: article 9 of the education law of the people's Republic of China. Chinese people and citizens have the right and obligation to receive education. Citizens, regardless of nationality, race, sex, occupation, property status, religious beliefs, etc., enjoy equal opportunities for education according to law.