Because there is no source of income, college students can't apply for ordinary commercial loans, but those who meet the conditions can apply for student loans issued by China Development Bank.

The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing 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. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan.

Second, how do college students apply for loans

There are two kinds of student loans for college students: national student loans and student credit student loans. But you can only borrow one. All of them can be paid off, with a maximum loan of 6000 yuan 14 years, and no interest will be paid during school. Those who have just been admitted but have not yet reported for duty can apply for student-origin credit loan. Ask the assistance center of the district (county) Education Bureau for the "Application Form for Student-origin Credit Student Loan of China Development Bank" and the instructions for handling it. Just follow the prompts. Students can apply for national student loans. The application process is as follows: students apply → the school conducts preliminary examination → the bank conducts examination and approval → both parties sign a contract → the bank issues loans → the loans are repaid after graduation. Note: Banks do not directly accept students' loan applications. Students who apply for loans must apply for loans to the designated department of their school within 10 days before and after the start of the new school year, and receive and truthfully fill out the Application Form for National Student Loan, the Commitment Letter for Applying for National Student Loan and other related materials. Extended data:

College student loans have gradually become the main service for major online lending companies to develop college student customers. College students' self-employment, installment consumption, education and training and other aspects of consumption expenditure make them become high-consumption groups with no fixed income, which makes them have a strong demand for loan services. However, the student loans and entrepreneurial loans provided by the national government with harsh conditions and troublesome applications can no longer meet the loan needs of today's college students. Main features: 1, credit-related loan amount; 2. Enjoy low-cost loans; 3. The repayment period is diversified; Lirong.com's innovative project, online lending platform-Li Xuedai, provides these college students with education loans, business loans and consumer loans. The application conditions are 1, fresh graduates, graduates within two years; 2. College degree or above; 3. 18 years old or older; 4. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule; 5. Abide by laws and regulations, and have no illegal acts and bad credit records;

3. Which bank has college students' entrepreneurial loans?

I'm from Jinhu, and I'm asking the same question. Speaking of the county finance bureau, I sometimes post policies for you at the door.