Legal basis: Opinions of the People's Bank of China, the Ministry of Education and the Ministry of Finance on the management of student loans Article 1: Improve the national measures for the management of student loans. (a) China Industrial and Commercial Bank should continue to actively handle the national student loan. On the premise of preventing risks, continue to explore various forms of guarantee for national student loans; It is necessary to simplify the loan examination and approval procedures and reasonably determine the loan term; Within the scope stipulated by the People's Bank of China, the lender shall give appropriate preferential treatment at the interest rate level. (two) to stop the implementation of the "notice" fifteenth, twenty-third. Students who really can't provide guarantee, especially those from poor families and other students, can apply for national student loans in the form of credit.