1. Students submit loan applications to the financial aid management institutions of colleges and universities; The application for national student loan can be submitted through online channels such as personal online banking and personal mobile banking of Bank of China, and paper applications can also be submitted to universities offline.
2, institutions of higher learning to apply for national student loans submitted by students to apply for qualification examination, and be responsible for the authenticity of the students' eligibility for loans. Colleges and universities should complete the examination within 20 working days after receiving the application for student loans, form a list of students who intend to agree to apply for loans, and complete the preliminary examination.
3, after the completion of the preliminary examination, colleges and universities should, within 5 working days, confirm the qualified loan application form with the official seal, notify the students who apply for loans of the preliminary examination results, and summarize the Information Form of Students' Application for National Student Loan according to the requirements of the handling bank of China Bank, and send the electronic documents and written documents together with the application materials to the handling bank of China Bank.
4. The handling bank of China Bank shall complete the audit within 10 working days in accordance with the regulations after receiving the "Student Audit Information Form for National Student Loan" and application materials submitted by colleges and universities. If there are errors or omissions in the materials submitted by institutions of higher learning, the handling bank may ask the institutions of higher learning to correct or supplement them, and the handling bank shall conduct a review. The review of the handling bank of China Bank shall be completed within 5 working days after the institutions of higher learning submit the corrected or supplementary materials.
5. With the online channel of national student loans, colleges and universities can conduct online preliminary examination in the system and submit it to the handling bank, China Bank, without the need for a paper Application Form for National Student Loans and an Information Form for Examining Students Applying for National Student Loans.
6. The handling bank of China Bank shall send the loan contract (format) and the IOU text to institutions of higher learning within 5 working days after the completion of all the examination and approval work.
7. Institutions of higher learning organize students to fill in and sign loan contracts and IOUs within 5 working days after receiving the roster of loan students, the text of loan contract (format) and the text of IOUs recognized by the handling bank.
8. Institutions of higher learning submit loan contracts and IOUs signed by students to China Bank, the handling bank. The handling bank of China Bank shall, within 10 working days, complete the review of the loan contract submitted by colleges and universities and the iou signed by the borrowing students, and sign the loan contract. After the signing of the loan contract, the handling bank in China will deliver the loan contract kept by the university institution and the borrowing student to the university institution within 2 working days, and the university institution will hand over one of them to the borrowing student within 2 working days. Colleges and universities should require the borrowing students to sign the receipt of the loan contract, which will be stamped by the school and sent back to the handling bank.
Colleges and universities can inform their parents or other legal guardians of the loan information of the borrowing students in time by means of e-mail, SMS, telephone, WeChat and registered letter.
The above contents are for your reference. Please refer to the actual business regulations.
If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.