1. Honesty and trustworthiness are the moral standards people use to judge a person.
2. Honesty and compliance with standards and norms are the principles of interpersonal communication, and honesty is also advocated in social communication. On campus, one of the most direct problems in keeping promises is to repay student loans.
3. The loan method of national student loan is credit guarantee. Taking the student himself as the guarantor, personality is the best guarantee, and the discount is given by the central or local finance.
The initial purpose of the national student loan is to solve the problem that children from some poor families have difficulty in going to school. When students' families have difficulty in paying tuition fees, it can lend a helping hand to help solve the problem of going to school.
The national student loan interest rate shall be based on the benchmark interest rate of the same grade published by the People's Bank of China in the same period, and shall not rise. The national student loan interest of the loan students during their school days is paid by the finance, and the interest after graduation is paid in full by the borrower.
In order to encourage financial institutions to undertake national student loans and establish a loan risk sharing mechanism, the finance will give certain risk compensation to the handling banks. 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 the loan on time and bear relevant legal responsibilities.
The role of national student loans:
1, which can help borrowing students pay tuition in advance and avoid the influence of excessive tuition pressure on their studies.
2. Lighten the family burden of the loan students and give the family a time to prepare tuition fees.
Students with loans can enjoy preferential interest on student loans, even if they pay interest, there will be no great pressure.
Students who borrow money need not be too thrifty.