The CPC Central Committee and the State Council attached great importance to the financial assistance for students from poor families. It is an important measure to establish and improve the financial aid policy system for students from poor families, so that students from poor families can enter school smoothly, afford college and receive vocational education, which is to practice the "Theory of Three Represents", implement the Scientific Outlook on Development and build a harmonious socialist society. It is an effective means to implement the strategy of rejuvenating the country through science and education and strengthening the country through talents, optimize the educational structure and promote educational equity and social justice; It is an inevitable requirement for effectively performing public finance functions and promoting the equalization of basic public services.
1. The main contents of the financial aid policy system for students from poor families in colleges and universities
In 2007, after the promulgation and implementation of "the State Council's Opinions on Establishing and Perfecting the Financial Aid Policy System for Students from Poor Families in Colleges, Higher Vocational Schools and Secondary Vocational Schools" (Guo Fa [2007]13) and its supporting measures, the state established various forms in the higher education stage, such as national scholarships, national inspirational scholarships, national grants, national student loans, on-campus scholarships, work-study programs, tuition fee remission and social donations. When students from poor families are admitted to the university, they can first report on time through the "green channel" opened by the school. After entering the school, the school verified the financial difficulties of their families and took different measures to give them financial assistance. Among them, to solve the tuition and accommodation problems, the national student loan is the main one, supplemented by the national inspirational scholarship; To solve the problem of living expenses, the state grants are the main ones, supplemented by work-study programs. In addition, the state actively guides and encourages social organizations, enterprises and individuals to set up scholarships and grants for institutions of higher learning to help students from poor families enter and complete their studies smoothly.
2. College students with financial difficulties
Students with financial difficulties in their families refer to students who can't pay the basic study and living expenses during their studies at school with the funds raised by themselves and their families. Students need to declare their family financial difficulties to the school, which is determined by the school through democratic appraisal in accordance with the standards and procedures stipulated by the relevant departments. When applying for the identification of family financial difficulties, students must submit the Questionnaire on Students and Families in Colleges and Universities (see the attached table) stamped with the official seal of the township (town) or street civil affairs department where their families are located, so as to prove their family economic status.
3. The scope of implementation of university funding policy
All full-time students enrolled in ordinary undergraduate colleges, higher vocational schools, junior colleges and adult colleges (including higher vocational colleges and second bachelor's degrees) that meet the requirements stipulated by the state enjoy the state funding policy.
Second, the form and content of funding.
1, green channel: go through the admission formalities before paying the fee.
In order to ensure the smooth enrollment of students from poor families, the Ministry of Education, the National Development and Reform Commission, and the Ministry of Finance stipulate that all public full-time colleges and universities must establish a "green channel" system, that is, all freshmen from poor families who are admitted to school must go through the admission procedures first, and then give financial aid in different ways according to the verified situation.
2. National student loan: solving the difficulties of tuition and accommodation.
The national student loan is a bank loan led by the government, with financial subsidies and certain risks borne by the finance and universities. It is jointly operated by banks, education administrative departments and universities to help students from poor families in universities pay for tuition, accommodation and living expenses during their study. The national student loan is a credit loan. Students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Their loan and repayment information will be incorporated into the personal credit information system of the People's Bank of China as personal credit cards.
Our province's national student loan policy has covered all kinds of colleges and universities, including public, private, enterprise-run and local military college students. See the annex for the universities that provided national student loans as of 2009. The main provisions of its policy are as follows:
(1) application conditions
Full-time undergraduates (including vocational college students), second bachelor's degree students and graduate students with financial difficulties in ordinary colleges and universities.
(2) Application materials
After the start of the new school year, students apply for loans from the bank through the school according to the regulations of the school.
(3) Application amount
In principle, the maximum per person per academic year is no more than 6000 yuan.
(4) loan approval
The student financial assistance department of the school is responsible for the qualification examination of the national student loan application submitted by the students and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.
(5) Loan issuance
The national student loan in our province is implemented by students applying for payment once every academic year, that is, students sign loan contracts with banks within one academic year.
(6) Loan interest
The national student loan interest rate shall be implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies. The national student loan interest of the loan students during their study in school is all subsidized by the government, and the interest after graduation is paid in full by the loan students themselves.
(7) repayment period
According to the employment and income after graduation, students choose the time to start repaying the principal within 1-2 years after graduation, and pay off the loan principal and interest within 6 years.
(VIII) Consequences of breach of contract
(1) If the borrower of the national student loan fails to repay the loan within the time limit and amount stipulated in the repayment agreement signed with the handling bank, the default repayment amount shall be charged with penalty interest; ② The handling bank will enter the default into the basic database of personal credit information of the People's Bank of China for all financial institutions in China to inquire according to law. ③ Lenders who seriously breach the contract will also bear relevant legal responsibilities.
3. National appropriation: a wide range of appropriations.
The national grant is to show the concern of the party and the government for students from poor families in ordinary undergraduate colleges, higher vocational colleges and junior colleges. Funded jointly by the central and local governments, it is used to subsidize full-time students with financial difficulties in ordinary undergraduate colleges (including higher vocational colleges and second bachelor's degrees).
(1) funding criteria
The national average is 2000 yuan per person per year, and the specific standard is determined within the range of 1000-3000 yuan per person per year, which is divided into 2-3 grades. The classification and specific standards of central colleges and universities shall be determined by the Ministry of Finance in consultation with relevant departments, and local colleges and universities shall be determined by provinces (autonomous regions and municipalities directly under the Central Government).
(2) Basic application conditions
Full-time college students with financial difficulties (including higher vocational and second bachelor's degrees).
(3) Application, examination and issuance
State grants are assessed once every academic year. Before September 30th every year, students apply to the university, and the university completes the evaluation before June165438+1October 15 of that year. State grants will be issued on a monthly basis 10, and universities will issue state grants to aided students on a monthly basis.
(4) Related matters
In the same academic year, students who apply for and receive state grants can apply for and receive state scholarships or state inspirational scholarships at the same time. Students majoring in normal education directly under the Ministry of Education who are trying out free education will no longer receive state grants at the same time.
4. National Inspirational Scholarship: subsidizing outstanding students with financial difficulties.
The National Inspirational Scholarship is jointly established by the central and local governments. It aims to encourage students from poor families in ordinary undergraduate colleges, higher vocational schools and junior colleges to study hard, strive for progress, develop morally, intellectually, physically and aesthetically, and award scholarships to students from poor families with excellent academic performance.
(1) reward standard
5000 yuan per person per year.
(2) Basic application conditions
Scholarship for full-time students in ordinary colleges (including higher vocational colleges and second bachelor's degrees) with excellent academic performance and financial difficulties for their families.
(3) Application, examination and issuance
The national inspirational scholarship is selected once every academic year, with equal evaluation. Before September 30th every year, students apply to schools, and colleges and universities complete the evaluation before June 65438+1October 3 1 of that year. Colleges and universities will issue a one-time national inspirational scholarship, 165438+, to the award-winning students before June 30th every year, and record it in the student status file.
(4) Related matters
In the same academic year, students who receive national inspirational scholarships cannot receive national scholarships at the same time. Students majoring in normal universities directly under the Ministry of Education who are trying out free education will no longer receive national inspirational scholarships at the same time.
5. National Scholarship: Encourage students to study hard and develop in an all-round way.
The national scholarship is funded by the central government, which is a scholarship to encourage students in ordinary undergraduate colleges, higher vocational schools and junior colleges to study hard and make progress, and to develop in an all-round way in morality, intelligence, physical fitness and beauty, and to reward outstanding students.
(1) reward standard
8000 yuan per person per year.
(2) Basic application conditions
Full-time undergraduate students in the second year (including the second year) or above (including higher vocational colleges and second bachelor's degrees).
(3) Review and distribution
National scholarships are selected once every academic year, and equal evaluation is carried out. Colleges and universities start the evaluation work at the beginning of each academic year and finish the evaluation before 10 and 3 1 in that year. Colleges and universities will issue a one-time national scholarship, 165438, to the award-winning students before June 30th every year, and issue the award-winning certificate uniformly printed by the state, which will be recorded in the students' school records.
(4) Related matters
No matter whether the family economy is difficult or not, students can get national scholarships as long as they meet the prescribed conditions.
6. Work-study program: paid subsidy according to ability.
Work-study program refers to the social practice activities in which students use their spare time to get legal remuneration through their own labor under the organization of the school and use it to improve their study and living conditions. Work-study program is an important part of school student financial aid, and it is an effective way to improve students' comprehensive quality and help students with financial difficulties.
7. Tuition fee remission: special care for groups with special difficulties.
The state implements the tuition fee reduction and exemption policy for students of public full-time ordinary colleges and universities whose families are particularly difficult and unable to pay tuition fees, especially orphans and disabled students, minority students and children of martyrs, and children of families entitled to special care. Specific relief measures shall be formulated by the school.
8. Other auxiliary measures
Colleges and universities use their own funds, social organizations and individuals to donate funds to set up scholarships and grants; Grant special hardship subsidies to students who have temporary difficulties.
Three. Description of other related issues.
1, financial aid for students enrolled in universities outside the province
At present, the policies and measures of financial aid for college students outside the province are basically the same as those in our province. For the specific funding content, please consult the reported University Student Financial Assistance Management Center.
2. Free education for normal students.
Since enrolling freshmen in the autumn of 2007, the state has implemented free education for normal students in six subordinate normal universities: Beijing Normal University, East China Normal University, Northeast Normal University, Huazhong Normal University, Shaanxi Normal University and Southwest University. During the period of free education, normal students are exempt from tuition, accommodation and living expenses.
3. The problem of student credit loan.
Since 2007, the country has started to pilot the student-origin credit loan business in Gansu, Shaanxi, Chongqing, Hubei, Jiangsu and other five provinces and cities, and it is still in the pilot stage. According to the current situation of national student loans in our province, this business is not provided at present. Students who have been admitted to universities outside the province, if they need loans, can contact the admission school and apply for national student loans at the school according to the national and local national student loan policies. First, the financial aid policy system for students from poor families in colleges and universities
The CPC Central Committee and the State Council attached great importance to the financial assistance for students from poor families. It is an important measure to establish and improve the financial aid policy system for students from poor families, so that students from poor families can enter school smoothly, afford college and receive vocational education, which is to practice the "Theory of Three Represents", implement the Scientific Outlook on Development and build a harmonious socialist society. It is an effective means to implement the strategy of rejuvenating the country through science and education and strengthening the country through talents, optimize the educational structure and promote educational equity and social justice; It is an inevitable requirement for effectively performing public finance functions and promoting the equalization of basic public services.
1. The main contents of the financial aid policy system for students from poor families in colleges and universities
In 2007, after the promulgation and implementation of "the State Council's Opinions on Establishing and Perfecting the Financial Aid Policy System for Students from Poor Families in Colleges, Higher Vocational Schools and Secondary Vocational Schools" (Guo Fa [2007]13) and its supporting measures, the state established various forms in the higher education stage, such as national scholarships, national inspirational scholarships, national grants, national student loans, on-campus scholarships, work-study programs, tuition fee remission and social donations. When students from poor families are admitted to the university, they can first report on time through the "green channel" opened by the school. After entering the school, the school verified the financial difficulties of their families and took different measures to give them financial assistance. Among them, to solve the tuition and accommodation problems, the national student loan is the main one, supplemented by the national inspirational scholarship; To solve the problem of living expenses, the state grants are the main ones, supplemented by work-study programs. In addition, the state actively guides and encourages social organizations, enterprises and individuals to set up scholarships and grants for institutions of higher learning to help students from poor families enter and complete their studies smoothly.
2. College students with financial difficulties
Students with financial difficulties in their families refer to students who can't pay the basic study and living expenses during their studies at school with the funds raised by themselves and their families. Students need to declare their family financial difficulties to the school, which is determined by the school through democratic appraisal in accordance with the standards and procedures stipulated by the relevant departments. When applying for the identification of family financial difficulties, students must submit the Questionnaire on Students and Families in Colleges and Universities (see the attached table) stamped with the official seal of the township (town) or street civil affairs department where their families are located, so as to prove their family economic status.
3. The scope of implementation of university funding policy
All full-time students enrolled in ordinary undergraduate colleges, higher vocational schools, junior colleges and adult colleges (including higher vocational colleges and second bachelor's degrees) that meet the requirements stipulated by the state enjoy the state funding policy.
Second, the form and content of funding.
1, green channel: go through the admission formalities before paying the fee.
In order to ensure the smooth enrollment of students from poor families, the Ministry of Education, the National Development and Reform Commission, and the Ministry of Finance stipulate that all public full-time colleges and universities must establish a "green channel" system, that is, all freshmen from poor families who are admitted to school must go through the admission procedures first, and then give financial aid in different ways according to the verified situation.
2. National student loan: solving the difficulties of tuition and accommodation.
The national student loan is a bank loan led by the government, with financial subsidies and certain risks borne by the finance and universities. It is jointly operated by banks, education administrative departments and universities to help students from poor families in universities pay for tuition, accommodation and living expenses during their study. The national student loan is a credit loan. Students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Their loan and repayment information will be incorporated into the personal credit information system of the People's Bank of China as personal credit cards.
Our province's national student loan policy has covered all kinds of colleges and universities, including public, private, enterprise-run and local military college students. See the annex for the universities that provided national student loans as of 2009. The main provisions of its policy are as follows:
(1) application conditions
Full-time undergraduates (including vocational college students), second bachelor's degree students and graduate students with financial difficulties in ordinary colleges and universities.
(2) Application materials
After the start of the new school year, students apply for loans from the bank through the school according to the regulations of the school.
(3) Application amount
In principle, the maximum per person per academic year is no more than 6000 yuan.
(4) loan approval
The student financial assistance department of the school is responsible for the qualification examination of the national student loan application submitted by the students and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.
(5) Loan issuance
The national student loan in our province is implemented by students applying for payment once every academic year, that is, students sign loan contracts with banks within one academic year.
(6) Loan interest
The national student loan interest rate shall be implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies. The national student loan interest of the loan students during their study in school is all subsidized by the government, and the interest after graduation is paid in full by the loan students themselves.
(7) repayment period
According to the employment and income after graduation, students choose the time to start repaying the principal within 1-2 years after graduation, and pay off the loan principal and interest within 6 years.
(VIII) Consequences of breach of contract
(1) If the borrower of the national student loan fails to repay the loan within the time limit and amount stipulated in the repayment agreement signed with the handling bank, the default repayment amount shall be charged with penalty interest; ② The handling bank will enter the default into the basic database of personal credit information of the People's Bank of China for all financial institutions in China to inquire according to law. ③ Lenders who seriously breach the contract will also bear relevant legal responsibilities.
3. National appropriation: a wide range of appropriations.
The national grant is to show the concern of the party and the government for students from poor families in ordinary undergraduate colleges, higher vocational colleges and junior colleges. Funded jointly by the central and local governments, it is used to subsidize full-time students with financial difficulties in ordinary undergraduate colleges (including higher vocational colleges and second bachelor's degrees).
(1) funding criteria
The national average is 2000 yuan per person per year, and the specific standard is determined within the range of 1000-3000 yuan per person per year, which is divided into 2-3 grades. The classification and specific standards of central colleges and universities shall be determined by the Ministry of Finance in consultation with relevant departments, and local colleges and universities shall be determined by provinces (autonomous regions and municipalities directly under the Central Government).
(2) Basic application conditions
Full-time college students with financial difficulties (including higher vocational and second bachelor's degrees).
(3) Application, examination and issuance
State grants are assessed once every academic year. Before September 30th every year, students apply to the university, and the university completes the evaluation before June165438+1October 15 of that year. State grants will be issued on a monthly basis 10, and universities will issue state grants to aided students on a monthly basis.
(4) Related matters
In the same academic year, students who apply for and receive state grants can apply for and receive state scholarships or state inspirational scholarships at the same time. Students majoring in normal education directly under the Ministry of Education who are trying out free education will no longer receive state grants at the same time.
4. National Inspirational Scholarship: subsidizing outstanding students with financial difficulties.
The National Inspirational Scholarship is jointly established by the central and local governments. It aims to encourage students from poor families in ordinary undergraduate colleges, higher vocational schools and junior colleges to study hard, strive for progress, develop morally, intellectually, physically and aesthetically, and award scholarships to students from poor families with excellent academic performance.
(1) reward standard
5000 yuan per person per year.
(2) Basic application conditions
Scholarship for full-time students in ordinary colleges (including higher vocational colleges and second bachelor's degrees) with excellent academic performance and financial difficulties for their families.
(3) Application, examination and issuance
The national inspirational scholarship is selected once every academic year, with equal evaluation. Before September 30th every year, students apply to schools, and colleges and universities complete the evaluation before June 65438+1October 3 1 of that year. Colleges and universities will issue a one-time national inspirational scholarship, 165438+, to the award-winning students before June 30th every year, and record it in the student status file.
(4) Related matters
In the same academic year, students who receive national inspirational scholarships cannot receive national scholarships at the same time. Students majoring in normal universities directly under the Ministry of Education who are trying out free education will no longer receive national inspirational scholarships at the same time.
5. National Scholarship: Encourage students to study hard and develop in an all-round way.
The national scholarship is funded by the central government, which is a scholarship to encourage students in ordinary undergraduate colleges, higher vocational schools and junior colleges to study hard and make progress, and to develop in an all-round way in morality, intelligence, physical fitness and beauty, and to reward outstanding students.
(1) reward standard
8000 yuan per person per year.
(2) Basic application conditions
Full-time undergraduate students in the second year (including the second year) or above (including higher vocational colleges and second bachelor's degrees).
(3) Review and distribution
National scholarships are selected once every academic year, and equal evaluation is carried out. Colleges and universities start the evaluation work at the beginning of each academic year and finish the evaluation before 10 and 3 1 in that year. Colleges and universities will issue a one-time national scholarship, 165438, to the award-winning students before June 30 every year, and issue the award-winning certificate uniformly printed by the state, which will be recorded in the students' school records.
(4) Related matters
No matter whether the family economy is difficult or not, students can get national scholarships as long as they meet the prescribed conditions.
6. Work-study program: paid subsidy according to ability.
Work-study program refers to the social practice activities in which students use their spare time to get legal remuneration through their own labor under the organization of the school and use it to improve their study and living conditions. Work-study program is an important part of school student financial aid, and it is an effective way to improve students' comprehensive quality and help students with financial difficulties.
7. Tuition fee remission: special care for groups with special difficulties.
The state implements the tuition fee reduction and exemption policy for students of public full-time ordinary colleges and universities whose families are particularly difficult and unable to pay tuition fees, especially orphans and disabled students, minority students and children of martyrs, and children of families entitled to special care. Specific relief measures shall be formulated by the school.
8. Other auxiliary measures
Colleges and universities use their own funds, social organizations and individuals to donate funds to set up scholarships and grants; Grant special hardship subsidies to students who have temporary difficulties.
Three. Description of other related issues.
1, financial aid for students enrolled in universities outside the province
At present, the policies and measures of financial aid for college students outside the province are basically the same as those in our province. For the specific funding content, please consult the reported University Student Financial Assistance Management Center.
2. Free education for normal students.
Since enrolling freshmen in the autumn of 2007, the state has implemented free education for normal students in six subordinate normal universities: Beijing Normal University, East China Normal University, Northeast Normal University, Central China Normal University, Shaanxi Normal University and Southwest University. During the period of free education, normal students are exempt from tuition, accommodation and living expenses.
3. The problem of student credit loan.
Since 2007, the country has started to pilot the student-origin credit loan business in Gansu, Shaanxi, Chongqing, Hubei, Jiangsu and other five provinces and cities, and it is still in the pilot stage. According to the current situation of national student loans in our province, this business is not provided at present. Students who have been admitted to universities outside the province, if they need loans, can contact the admission school and apply for national student loans at the school according to the national and local national student loan policies.