The process of handling student loans:

The loan acceptance department applies for a loan;

Prepare materials. Prepare relevant materials to register with the student financial assistance management department of the local education bureau, and receive the Application Form for Student Credit Loan of China Development Bank (hereinafter referred to as the Application Form). The borrower needs to complete the application form and seal it completely;

Review the materials. When the borrower and * * * go to the student financial assistance management department of the county (city, district) Education Bureau where the form is registered, they need to provide two identification materials (including the borrower and * * * together with the borrower's ID card and photocopy, student ID card or admission notice, household registration book), and provide the application form and postal savings account number, which will be reviewed by the staff of the student financial assistance management department of the County Education Bureau;

Sign the contract. The borrower and * * * sign the Loan Contract for Student Credit Loan of China Development Bank with the borrower himself, sign the loan contract and authorize the Postal Savings Bank to deduct the loan principal and interest from the above account;

Return the contract receipt. After the loan contract is signed, students can report to colleges and universities with the contract. From 20 1 1, students only need to go to the financial aid center of colleges and universities to handle the electronic receipt, instead of mailing the paper receipt. If the student financial assistance management department of the Education Bureau does not receive the receipt within 30 days after registration (no later than 65438+1October 30), it is deemed that the student has cancelled the loan application;

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 borrowing student's university;

Repay the loan. After the borrower graduates, the students and the borrower are responsible for timely and fully depositing the funds into the personal account according to the loan contract.

Conditions for handling student loans from places of origin:

Have 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 formally admitted to full-time ordinary colleges, higher vocational schools and junior colleges approved to set up higher education have obtained a true, legal and effective admission notice;

Students' pre-school household registration and parents' household registration are in cities and counties (cities, districts);

The family is in financial difficulties, and the income they can get is not enough to pay for the basic expenses needed to complete their studies during school;

Other conditions stipulated by the bank.

Application materials for student-origin student loan:

Apply for a national student loan;

Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan);

My explanation of the family's financial difficulties;

Proof of family financial difficulties issued by the relevant departments where the students' families are located. Students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them;

Other information required by the bank.

Second, the deadline for student loans in Shandong Province

Starting from this year, the credit student loan from Shandong Province will cancel the acknowledgement operation. Student source credit student loan from July 20th to September 20th. In addition, from August/KLOC-0 to September 20, all counties (cities, districts) accept loan student applications.

Three. Student-origin loan in Shandong province: 202 1?

Time for accepting loan application

Affected by the epidemic, the time for admission to the college entrance examination was postponed this year. In order to better serve the majority of students, the centralized acceptance time of student loans in our province has been extended by 20 days this year, and the centralized acceptance time of student loan applications in all counties (cities, districts) in the province is from August 1 day to September 30.

Second, the loan acceptance object and pre-application

The loan application is accepted by full-time freshmen (including preparatory students) who have been officially admitted by full-time ordinary undergraduate colleges, higher vocational colleges (including private colleges and independent colleges), scientific research institutes, party schools, administrative colleges and accounting colleges (the list of schools is subject to the announcement of the Ministry of Education) and have obtained a true, legal and effective admission notice, or graduate students and second bachelor's degree students studying in our school.

Municipalities and their counties (cities, districts) should cancel the step of requiring relevant departments to stamp students with financial difficulties according to the requirements of the Notice of the Ministry of Education on Cancelling a Batch of Identification Matters (J.F. [2065]12) and other documents. Cities, counties (cities, districts) shall, in accordance with the principle of territoriality, organize resident ordinary high schools and secondary vocational schools (hereinafter referred to as high schools) to actively carry out the pre-application of student loans. Pre-applicants are students whose personal and family financial ability can't meet the basic expenses of study and life during college, including students who have received state grants in any academic year of high school and students from poor families with loan needs.

For students who have not applied in advance in senior high school, but need to apply for student-origin credit student loans due to natural disasters, family changes or family economic difficulties, the county-level funding center can apply for pre-application according to the actual situation before formal acceptance, and import the pre-application information into the information management system of student-origin credit student loans of China Development Bank. The pre-application time can be linked with the identification time of students with financial difficulties in senior high school. You can start the pre-application for the next year in September every year (the first semester of senior three), and the pre-application information is valid for eight years from the date of importing it into the system.

Students who fail to apply in advance, but really need to apply for student-origin credit student loans due to family financial difficulties, can fill in the Application Form for Identification of Students with Family Financial Difficulties, and replace the student's family financial status certificate issued by the civil affairs department of the township, town or street where their family is located with a written commitment, as the basis for identifying the family financial difficulties in applying for loans.

Students from poor families, students who renew loans and students who have passed the first loan pre-application are directly included in the scope of loans, and additional loan qualification restrictions and loan qualification review procedures are not allowed to be added to ensure that "loans should be exhausted".

Third, the loan amount.

The maximum loan for ordinary college students is not more than 8,000 yuan, and the maximum loan for graduate students is not more than12,000 yuan. It is mainly used to solve the tuition and accommodation expenses of students during their school days, and the part that exceeds the tuition and accommodation expenses can be used for living expenses.

Four, the loan application acceptance workflow

(1) Maintain system information. All localities and colleges and universities should log in and maintain the information of institutions and personnel in the student loan information management system of China Development Bank before formally accepting loans, so as to ensure the accuracy of information such as electronic signature, contact address, contact telephone number and tuition account of colleges and universities.

(2) online loan application. Loan students must register and log in to the online student loan system () to submit loan applications. All localities and colleges and universities should seriously organize loan students to do a good job in online registration, signing the agreement and commitment letter of the National Development Bank's student credit loan, entering application information, printing loan application forms and so on.

Students who renew their loans should pay attention to updating and perfecting personal contact information, mailing address and other information. When submitting the loan extension application, they need to fill in the extension statement. Borrowing students can simply report their personal study and life, and briefly describe their understanding of national student loans and personal integrity. The length is between 100 words and 200 words. Counties (cities, districts) are responsible for reviewing the contents of the renewal statement.

In order to scientifically respond to the epidemic situation in novel coronavirus and reduce the risk of virus spread caused by crowd gathering, remote loan renewal will be piloted in some areas in 2020, and students in relevant areas can choose to apply for remote loan renewal according to the system prompts. Borrowing students who apply for loan extension remotely need to accept the loan extension remote acceptance service agreement, and confirm to submit the loan extension application after being authenticated by Alipay's face recognition function.

When renewing the loan, if you need to change your identity information and key schooling information, if you need to add a borrower, you still need to bring relevant written proof materials to the county-level funding center for on-site handling.

Students from other provinces studying in colleges and universities in our province apply for loans from their hometowns, and all colleges and universities must go through relevant procedures in accordance with the requirements of their hometown work. Among them, belonging to the national development bank student loans, with reference to the above-mentioned ways to organize online application.

(3) Acceptance of loan applications. All the student loans in our province are handled by electronic contract. Counties (cities, districts) should carefully check the relevant information after receiving the application materials of loan students to ensure the accuracy of information input. Accept the loan application on site, guide the borrowing students and their * * * to sign the electronic loan contract with the borrower, and ensure that the signature is clear and accurate. After the acceptance is completed, print a copy of the loan contract and the acceptance certificate of the loan student (with the receipt input verification code attached). In principle, the county-level funding center should review and confirm the application for loan renewal submitted remotely within 3 working days. After the contract accepted by the remote loan renewal center is approved by the county-level funding center, the system will send a receipt verification message to the students. The acceptance of the application shall be handled in strict accordance with the prescribed conditions and procedures, and no additional procedures shall be added.

(4) Open a student loan account. Alipay is responsible for the allocation of students' credit student loan funds. When each county (city, district) generates a student loan contract, the system will automatically generate an "Alipay" account, which will be used for student loan issuance and principal and interest recovery (please visit Alipay website or call 95 188 for details).

(v) Register of Loan Students. After the start of the new semester, the loan students shall report to the school with the admission notice or receipt verification SMS, and all colleges and universities shall register in time and go through the relevant admission procedures, and shall not require the loan students to pay tuition and accommodation fees in advance.

(6) Electronic receipt entry of the contract. Colleges and universities should enter the receipt information such as the unpaid amount in the student loan information management system according to the acceptance certificate or receipt verification SMS submitted by the loan students before 10. The student loan application that fails to enter the electronic receipt of the contract within the time limit will be rejected.

Verb (abbreviation of verb) Work arrangement in the stage of loan approval and issuance

(a) the loan student list publicity. County-level funding centers should publicize the list of students applying for loans within a certain range, organize investigation and verification of the problems found in the publicity, and refuse the loan application to students who do not meet the loan conditions. According to the results of publicity, the county-level funding center drafted the "Notes on Publicity of Student-origin Credit Loan" (see Annex 1, hereinafter referred to as "Notes on Publicity").

(2) summarize the application information. Before summarizing and submitting the loan application information, all county-level funding centers must check the electronic contracts one by one by county-level auditors to ensure the integrity and accuracy of the electronic contracts and various attachments. The key points are: whether the signatures of the borrowing students and borrowers are consistent with the names in the system, and whether there are typos; Whether the signature format meets the requirements of operating procedures; Avoid contracts and attachments; Whether the scanned attachment is legible; Do students who fail to apply for the first loan in advance fill out the Application Form for Identification of Students with Financial Difficulties and scan it? The problems found in the review should be rectified as soon as possible to avoid refusing the loan application for technical reasons.

After the contract review and receipt confirmation are completed, the county-level financial aid center will summarize the application in the system, export the Summary of Student Loan Application of XX County Financial Aid Center (hereinafter referred to as the Summary of Application, which must be printed horizontally with A3 paper), and submit it to the municipal financial aid center and the system for electronic flow to the provincial financial aid center before1kloc-0/4. The application summary form shall be signed by the manager and person in charge of the county-level funding center, and stamped with the official seal of the unit at the upper left (the summary form with more than one page shall be stamped with the official seal or the riding seal on each page).

After verifying that the application information submitted by the counties (cities, districts) is correct, the cities (except Qingdao) shall submit the Letter on the Application for Student-origin Credit Loan in XX City in 2020 before June 16 (see Annex 2, application summary and publicity instructions submitted by counties (cities, districts). Qingdao directly submitted to Qingdao Branch of China Development Bank.

(3) loan approval. Shandong Branch and Qingdao Branch of China Development Bank shall, jointly with the provincial financing center, review the application summary and loan contract, and conduct loan approval. For the incomplete materials and incorrect information found in the contract review, the county-level funding center should actively contact the borrower to remedy and cautiously refuse the contract. If the loan contract is refused, the county financial aid center is responsible for notifying the borrower and the borrower, and making explanations, and at the same time, the student's loan application will no longer be accepted this year.

(4) Loan issuance and payment. After the loan is approved, the loan funds will be distributed through Alipay platform before165438+1October 20th. The funds will be transferred to the "Alipay" account of the loan student first, and then the unpaid tuition and accommodation fees will be transferred to the bank account of the university.

(five) loan funds verification account. All universities and counties (cities, districts) should log in to the system in time to query the distribution results. If the allocation fails, the relevant information should be revised and improved in time, and then the Shandong Branch or Qingdao Branch of China Development Bank will rearrange the transfer of funds. Loan students can log in to the "student-origin student loan online system" to inquire about the loan application.

Work requirements of intransitive verbs

(a) attaches great importance to the prevention and control of epidemic situation in COVID-19. Counties (cities, districts) should attach great importance to the prevention and control of epidemic situation in COVID-19, earnestly fulfill the main responsibility of epidemic prevention and control, define epidemic prevention and control measures in emergency plans, guarantee epidemic prevention and control materials, and ensure that all prevention and control measures are put in place. Do a good job in the ventilation and sanitation of the acceptance site, strengthen the management of entrances and exits, and strictly implement the management of "health code temperature measurement" for those who enter the acceptance site. Minimize "interpersonal contact". For counties with a large business volume, we should take the form of appointment service and fixed-point service, reasonably control the number of places, arrange special personnel to maintain order, reasonably arrange the distance between on-site personnel, urge and remind people to wear masks to prevent people from gathering. Conditional should be set up temporary isolation and lien room (room). If abnormal symptoms such as fever, chest tightness and fatigue are found, they should be reported to the local government as soon as possible, and measures such as isolation and medical treatment should be implemented.

(two) to strengthen the standardization of acceptance sites. Counties (cities, districts) should enhance their awareness of quality service, optimize the hardware and software facilities for accepting student loans, make use of existing places such as government service centers, high school auditoriums and township central schools according to local conditions, and set up loan handling halls, handling points and mobile acceptance points. A county with a large business volume should set up a number of acceptance points in the county according to the actual situation, and the area of acceptance points should meet the requirements of keeping the distance between people in epidemic prevention and control.

According to the previous acceptance work experience and annual acceptance progress, the number of acceptance windows is reasonably calculated, and modern office equipment such as private network matching the business acceptance work is equipped. The centralized reception hall should publicize the basic information of the staff of the county-level funding center, divide the functional areas such as the waiting area, consultation area and printing area of students' parents, provide air conditioning, seats, free drinking water and other convenience facilities, and provide free printing services. Strive to improve work efficiency and let students and parents "queue less"; For those who can't apply for loans at the scene for objective reasons, we should try our best to deliver the "loans" to the door, so that students and parents can "run less".

(3) Establish an early warning mechanism. In order to ensure the smooth and orderly acceptance of student loans, all county-level funding centers must formulate acceptance work plans and emergency plans in light of actual conditions. The plan should include relevant measures for epidemic prevention and control, increase the number of accepting personnel and windows, arrange waiting services such as chairs and drinking water, and do a good job of persuasion and appeasement. Avoid people waiting and queuing for a long time in the scorching sun, and resolutely put an end to the situation of limit number handling.

(4) Continue to publicize the national student loan policy. All units should pay attention to summing up and exploring good experiences, advanced deeds and typical cases in the process of loan work, and submit information in time to provide materials for better policy propaganda. With the help of the Internet, radio, television, newspapers and other media, we will expand the social influence and popularity of the national student loan policy through news, special reports and distribution of publicity materials. The reception office should hang "Implementing the spirit of the 19th National Congress of the Communist Party of China, so that every child can enjoy a fair and quality education!" And the banner of "Student Loan Center in XX County, China Development Bank", put up a national unified student credit student loan exhibition board, broadcast a student loan policy propaganda and integrity education video, and let borrowing students know how to apply for student loans and repay through on-site training. We should do a good job in public opinion monitoring, respond in time when problems are found, and do a good job in explanation and communication to avoid negative effects. Publish contact information or hotline through websites or posting announcements. , to ensure that the hotline is open during the acceptance period, to answer students' inquiries and complaints in time, and to improve service quality.

4. When will the student loan be issued?

The approximate time is from the end of 1 1 to the approval of the national student loan application (September-1). From 202 1, the maximum amount of full-time college students' student loans increased from 8,000 yuan to12,000 yuan; The maximum amount of full-time graduate student loan is 1.2 million yuan, which is increased to 1.6 million yuan. The student loan applied by students can be higher than the sum of tuition and accommodation, and the remaining money can be used for personal consumption, reducing the financial burden of students. Specific process: Step 1: Students apply for student loans; Step 2: China Development Bank will review the materials; Step 3:165438+1In the middle of October, China Development Bank will issue loans to students' Alipay accounts; Step 4: Alipay account automatically repays the loan to the school account; Step 5: After the Finance Department confirms that the loan is correct, deduct the money, return the remaining loan to the student Alipay, and the student will withdraw it to the bank card for use. During the period from loan application to loan issuance, students can log on to the student loan information system of China Development Bank to check the loan status. Generally speaking, there will be no mistakes in the middle and the loan will be successful. If you are not at ease, you can log on to the website two or three times a month, or call the student loan center to ask about the situation. 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); Sign the contract (1 65438+1mid-October)1,and the loan center will organize secondary colleges to conduct 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. National student loan issuance (1 65438+1late October)1. According to the signed contract, the National Development Bank lends money to the account of the provincial student loan center; 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. The following are some matters needing attention in applying for student loans from China Development Bank. Please don't be careless whether it is the first loan or the renewal loan. When applying for a student loan, you must repeatedly confirm the information submitted online. Because any information is incorrectly filled in, it will lead to problems in the process of loan issuance, tuition deduction and repayment. But even if you make a mistake, you can always correct it. (Identity information: name, ID number; School information: school, department, educational system, admission time, graduation time, etc. If students find that the information they filled in when registering users online (without generating a contract) is wrong, they can modify it on the website themselves. If a loan contract has been generated and the contract information is found to be wrong, you need to contact the manager of the county-level fund center to "decline" the contract. Then, after the bank manager "deletes the declined contract", the borrowing students can log in to the student online service system to modify the relevant information and reapply. When the university receives the receipt and enters it into the system, the university administrator can also correct the wrong student number and department major entered by the borrowing student. The loan contract will take effect after the university enters the receipt. After the loan contract comes into effect, students can log in to the student online service system to make changes and maintenance except basic information, contact information and family information, and other information changes need to be corrected by contacting the teacher of the financial aid center.