Chapter one? General rules?
Article 1 In order to implement the relevant national policies and further improve the work of national student loans in our university, these detailed rules are formulated. ?
Article 2 National student loans are limited to full-time undergraduates (including vocational college students), graduate students and second bachelor's degree students (hereinafter referred to as loan students) with financial difficulties in our school. ?
Article 3 National student loans are divided into tuition loans and living expenses loans according to their purposes. Among them, tuition loans are used to pay tuition fees. The loan amount shall not exceed the school tuition (training fee) in principle, and the maximum loan amount shall not exceed 6000 yuan per person per academic year; Living expenses loans are used for daily expenses, and the maximum loan amount does not exceed the product of the monthly per capita living expenses standard and the number of months of schooling in Nanjing.
Article 4 The term of the national student loan shall not exceed six years after the graduation of the loan student. The loan interest rate shall be implemented according to the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies, and shall not rise, excluding compound interest. The handling bank may, under the guidance of the interest rate policy of the People's Bank of China, appropriately reduce the national student loan interest rate. ?
Article 5 National student loans shall be implemented. Borrowing students do not pay interest during their school days, but are subsidized by finance 100%. On September 265,438+0 (including 265,438+0), after obtaining the graduation certificate, bear the interest in full. The national student loans issued before September 2004 are still subsidized by the state finance according to the old method, that is, 50% of the national student loan interest, and the remaining 50% is borne by the loan students themselves.
Article 6? The work of student loan in our college is guided by the Jiangsu Provincial Student Loan Management Center and led by the National Student Loan Management Center of the Ministry of Education. ?
Chapter two? Management system?
Article 7 In order to uniformly manage the work of student loans in our school, the school has established a national student loan management leading group. Headed by the school leaders in charge of student work. The team members are composed of the heads of student affairs office, finance office, academic affairs office, personnel office and the leaders of each hospital. Its main responsibility is to discuss and decide on major issues such as the scale and total amount of school student loans, and coordinate the work of various departments and units. ?
Article 8 The leading group consists of the National Student Loan Management Office (hereinafter referred to as the School Loan Office). The school loan office is a permanent institution that manages the school student loan, which is affiliated to the student guidance center of the student affairs office and equipped with full-time staff. List of students with difficulties who have not borrowed due to arrears or whose loans have not been approved due to subjective reasons; ?
Article 10 The personnel department is responsible for providing changes witnessed by teachers to the school loan office. ?
Eleventh hospitals should set up a management team composed of leaders in charge of student work as the team leader, vice president of teaching as the deputy team leader, hospital office and Youth League Committee.
Chapter three? Loan application?
Twelfth students applying for student credit loans must meet the following conditions
Article 14 The applicant shall truthfully and completely fill in the Approval Form for the Application of National Student Loan in Jiangsu Province's Colleges and Universities and other materials required by the bank.
Fifteenth student loans shall be reviewed and summarized by the school, and then submitted to the handling bank by the school loan office for final review. After the final approval of the bank and notification to the school loan office, the school loan office will organize the applicant to fill in the contract text, loan voucher and other related procedures and submit them to the bank for approval and issuance.
Chapter four? Loan review and issuance
Sixteenth national student loans are applied for annually, which are subject to centralized examination and approval by banks and paid annually (monthly living expenses). If you want to stop lending halfway, you can apply to the bank for stopping lending through the school loan office; Special circumstances need to increase the amount of loans, additional loans and witness procedures can be handled separately.
Article 17 Tuition loans shall be transferred by the bank to the account designated by the school on an annual basis, and living expenses loans shall be transferred by the bank to the current savings account designated by the borrower before 10 on a monthly basis (based on 10, payment shall be made every year, but not in February and August). ?
Chapter five? Repay the loan?
Article 18? Before leaving school, the borrower must submit a commitment letter to the school loan office, make a repayment plan and sign a repayment agreement with the handling bank. Before the above procedures are completed, the school will suspend the issuance of diplomas and degree certificates. Do not go through the formalities of leaving school.
Article 19 If the borrower transfers school, goes abroad, leaves school, is dismissed or dies, the bank will recover the principal and interest in advance. ?
Article 20 Loans can be repaid in various ways. Loan students can choose to repay the loan principal and interest from any month within 24 months after graduation according to their employment and income level. Specific repayment matters shall be applied to the handling bank by the loan student when signing the repayment agreement, and the handling bank shall examine and approve it. ?
Article 21? Before the agreed repayment date, the borrower should automatically deposit the repayment principal and interest into the original current savings account, and the bank will take the initiative to deduct it from the account when the repayment is agreed. Otherwise, the bank has the right to investigate the liability for breach of contract, collect penalty interest and be punished by the bank according to regulations. ?
Article 22 If a borrower works in a different place after graduation, he can remit money to a lending institution for repayment through a branch of a different bank; The lender may also negotiate with the bank branch where the borrower works to handle the loan transfer procedures. ?
Twenty-third loan students who continue to study for a degree after graduation shall provide written proof of continuing to study for a degree to the handling bank in time, and the handling bank shall handle the extension formalities for them, and the financial department will continue to provide them with interest subsidies during the period of continuing to study for a degree.
Please refer to the resources for more specific implementation rules of Nanjing Forestry University on the management of national student loans.
References:
Nanjing Forestry University-Detailed Rules for the Implementation of National Student Loan